Risk Planning

“Life is inherently risky. There is only one big risk you should avoid at all costs, and that is the risk of doing nothing.”

– Denis Waitley

Man Planning

Income Protection


If you’re in your working years, chances are your most valuable asset isn’t your car, your house, or even your 401k.  It’s your current and future ability to earn a living. Why wouldn’t you insure it?

Many people don’t know that they’re four times more likely to become sick or injured, and unable to work for an extended period of time than they are to die during the course of their career.

Both have a similar financial impact on the ability provide income, but being faced with an illness or injury may cause greater financial stress due to the cost of appropriate medical care.

A solid income protection plan, anchored by an affordable disability insurance policy is vital to protecting your family.

Schedule a consultation to discuss the options for your peace of mind.

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Life Insurance


There are people in your life that you care about and that depend on you. One of the most rewarding things that we do is helping our clients find peace of mind by protecting the people they love in the event of the worst-case scenarios.

A financial plan is not complete without considering how to care for your family in the event that you were taken away from them, ensuring that their quality of life and opportunities don’t suffer as a result.

Each individual and family has widely varying life insurance needs that change with time – this protection can and should be affordable, and our job is to help you make informed decisions for you and the people you support.

Give us a call or set up a visit to our office to discuss your current coverage, what makes sense for your circumstances and how much it should cost.

Long Term Care


Apart from taxes, the largest cost you will most likely face in retirement will be medical care – you need a plan to cover what Medicare doesn’t.

We strongly believe in making plans for this phase of life to prevent the tremendous impact on savings that medical needs can have, and protecting the quality of life of our clients, their children and surviving spouses.

In recent years, insurance companies have developed the following new strategies in recognizing consumers’ needs, radically changing the appeal of this coverage:

  • A guarantee that premiums never increase
  • Benefits that last forever
  • A death benefit for your beneficiaries if you die without using the plan.

You can even pay for it with a one-time lump sum, and never have to worry about it again.

We’d be happy to evaluate your long-term care options and help you find a plan that suits your needs. Click here to schedule an introductory consultation, or call us at 720-724-7633.

Most consumers don’t know that they are five times more likely to become disabled then to die during their working years, yet the vast majority of consumers have life insurance over disability income protection. Many families do not have the safety net to provide in the event of a family member becoming unable to perform their work responsibilities.  We represent many of the top disability income carriers and are passionate about educating our clients on what protection they need to have in place for their unique situation.


What is your most valuable asset? Is it your house? Your 401k? Your car?

Actually, your most valuable asset is your current and future ability to make money. Your whole life and lifestyle, the welfare of your loved ones, and your future retirement are based on that asset. We insure our homes, we insure our cars, we can even take steps to protect our investments. Can you, and should you, insure your income?  Read more

We offer custom case design and quotes to protect the most precious people in your life in the event of death. Our broad and unique carrier selection means you’ll always have competitive rates for the cost of insurance, and we help our clients determine coverage and strategies that are most advantageous, and find the most optimal policy to put in place. We weave life insurance into our client’s holistic financial plan to ensure that it is the most comprehensive use of funds.


There are people in your life that care about you and depend on you.  One of the most rewarding parts of what we do is helping our clients find peace of mind by protecting the people they love in the event of the worst-case scenarios.  A financial plan is not complete without considering how to care for your family in the event that you were taken away from them.  Read more

Chronic and critical illness or nursing home confinement is a primary concern for many people approaching retirement age.  We offer numerous different solutions to meet your needs, including traditional LTC insurance, link benefits, and annuity-based solutions.  Our selection of the marketplace’s top Long-Term Care carriers guarantee the best plans to put a plan in place that suits your unique needs.


Apart from taxes, the largest cost you will most likely face in retirement will be medical care.  It’s estimated that you will spend as much on medical care in the last few years of your life as you did in the rest of your life combined.  And yet, medical care is vital to having a decent quality of life in your golden years.  Read more