Risk Management solutions should play an integral part of any financial plan. Once we have a Personal Financial Strategy in place for you our team will do an analysis of the risks to the success of your plan. This includes events such as the death of a spouse or if one spouse is unable to work. We help determine how we can establish balance in your plan by providing for these contingencies that can pose a risk to your personal financial goals. It is impossible to plan for every contingency. We focus on provision, what would you like to provide for, which is not the same a protection. First we determine the life stage insurance is meant to cover and this can change based on the stage of life and financial obligations your family is in. Each client is unique and we will take the time to understand your unique needs and find solutions that will meet these needs.