Service
Insurance planning that protects your family, income, and business.
Insurance isn't the goal. Protecting your plan is. As a financial advisor, we start with the risks that could derail you, then evaluate the strategies that fit, only where they make sense.
What is risk & insurance?
Risk management and insurance planning reviews the financial risks to your family, income, business, and estate, then evaluates protection: life, disability, long-term care, and annuities, where it's appropriate, as one piece of your overall plan. The goal is to protect the plan, not to sell a policy. Insurance and annuity guarantees are subject to the issuer's claims-paying ability.
The problem
Most people are either over-sold coverage they don't need or quietly exposed on a risk that could undo years of planning, and sometimes both at once. Insurance tends to get bought one policy at a time, by whoever's selling, instead of sized to the actual gaps in your plan. The point was never the policy. It was protecting everything the plan is built on.
Who it's for
People with something to protect, people who depend on them for income, and people who rely on them.
What's included
What we do, and what it gets you.
Nothing here is filler. This is what we handle, and what each part does for your plan.
A plain-language risk review
A clear picture of where you're actually exposed, before anyone mentions a product.
Life insurance, sized to the gap
Coverage matched to who and what depends on you, term or permanent, not a generic multiple.
Disability income protection
Your income protected if you can't work, often the biggest unguarded risk.
Long-term care planning
A plan for late-life care costs, whether that's coverage or self-funding.
Annuities, only where they fit
Considered only when a guaranteed income stream solves a real problem, with the tradeoffs laid out.
Why Boston Integrity
We connect our process to the rest of your financial life, and, for owners, to your business. We coordinate with your CPA and attorney, and our work is built around advice, not gathering assets to manage.
Plainly put
Insurance and annuity strategies are evaluated where appropriate, with the relevant disclosures and suitability considerations. We make no guarantees.
Questions
Frequently asked.
It depends on who and what depends on your income. We size protection to the actual gap in your plan rather than a generic multiple.
See where you stand.
Book a 20-minute intro call. We'll talk through where you are and how this fits your bigger picture.
No pressure, no obligation. Just a clear next step.