RISK MANAGEMENT

Risk Management services begin in the financial planning process and continue through the implementation phase. CollaborativeWealth™ serves as the client's Agent, guiding the client through the process of analyzing and structuring their insurance assets.

Product Availability

Life • Long-Term Care • Long-Term Disability • Property & Casualty • Business Related

Arrangements Addressed

Estate Liquidity • Irrevocable Life Insurance Trusts • Charitable Giving Arrangements • Asset Replacement & Transfer Key-Man Insurance • Cross-Purchase • Split-Dollar • Non-Qualified Retirement Plans

A client's insurance specialist helps to identify a client's protection needs. This philosophy addresses what-if-scenarios, as well as an optimal and strategic structuring of the appropriate insurance arrangements. It will also identify the best insurance products, any tax considerations, as well as the relevant time frame and any liquidity requirements.

The Insurance specialist will assist in building an efficient Risk Management plan comprised of many types of products. All recommendations are consistent with the client's risk management philosophy. This might be a partial modification of a client's existing insurance, or a complete modification with new arrangements. We will lead the search and selection process for Insurance products by starting with an in-house review of the client's current risk management products. Once the selection process is complete, the insurance specialist can turn to careful review of new products. The insurance specialist will then generate a recommendation report, which includes information gathered regarding quantitative and qualitative company and product screens.

Once risk management decisions are made and implemented, a client's wealth manager will monitor the assets through the review meetings and communications with the client. Implementation of the chosen products completes the risk management process for the insurance specialist and the client.

• Comprehensive Financial Planning
• Investment Advisory & Management
• Risk Management
• Product Consulting
• Innovative Collaboration