Protection & Planning
Protect your family, your business, and what you have built.
Insurance is part of a complete financial picture. Your Financial Office helps you evaluate coverage options for life and business so your plan protects the people and assets that matter most.
Most people buy insurance from someone who knows nothing about their tax position, and file their taxes with someone who knows nothing about their coverage. The two decisions then get made in isolation, which is how a business ends up with a buy-sell arrangement that does not match its entity structure, or a family discovers the protection they bought interacts badly with an estate they had not thought about.
The value here is not that insurance is exotic. It is that the person reviewing it already has the rest of your picture in front of him.
For a business owner, protection questions run straight into structural ones: what happens to the entity if an owner dies or is unable to work, whether a buy-sell arrangement is funded and whether it matches the ownership on paper, and what the tax treatment of the various answers looks like.
For a household, the questions are simpler but no less consequential — whether the coverage in place actually reflects current income, current debt and current dependants, all of which tend to change faster than policies do.
The starting point is what you already have. A surprising proportion of reviews conclude that existing coverage is broadly right and the useful action is minor — updating a beneficiary that has been stale for a decade, or dropping something that duplicates cover provided elsewhere.
Where there is a genuine gap, you will hear it described plainly along with what closing it costs. Where there is not, you will hear that too.
Individuals and business owners who want straightforward help understanding insurance options and building the right protection plan.
Because the decisions interact. Business continuation, buy-sell funding, entity structure and estate considerations all have both a protection side and a tax side, and they are frequently handled by people who never speak to each other. Reviewing them together avoids arrangements that work individually but not in combination.
The review starts with what you already hold, and a common outcome is that existing coverage is broadly appropriate and the useful change is small — a stale beneficiary designation, or cover that duplicates something provided elsewhere. Where a genuine gap exists it will be described plainly, along with the cost of closing it.
Principally what happens to the business if either of you dies or becomes unable to work, whether any buy-sell arrangement is actually funded, and whether it matches the ownership recorded on paper. These questions have tax consequences attached to each possible answer, which is why they are better considered alongside the entity structure than separately from it.
Get a straightforward review of your options — no pressure, no quotas.