Risk Management

Life brings uncertainty, but your plan needs to stay in tune with your goals. This critical pillar of the Harmony FORMula is designed to help safeguard your future and protect your plans.

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Security Through Life’s Uncertainties

There are a lot of risks that come with retirement, on more than just the investment side. Risk management is about planning ahead so that when life challenges you, you’re ready. The plans we create are designed to whether the storms that may occur – and that often means planning for “what if” situations through insurance. We help identify risks and outline ways you can handle those things. In some cases, we are not licensed to provide the specific solution, but we will help you identify the need and connect you with the right professionals.

Things We’ll Discuss

Life Insurance

Long-Term Care

Medicare

Risk Management – Part of A Harmonized Strategy

Risk management is important to your financial plan for all the ways things could go wrong – or simply change. Risks you and your family face can impact your Wealth, Income, Legacy, and more. This is why we consider Risk Management a pillar to our financial planning process.

When you work with us, we strive to be the conductor in your financial life, making sure all the pieces of your financial life are working together towards your future goals. We will look at seven service pillars and follow a process of Discover→ Design→ Deploy to build an intentional plan aligned with what matters most to you. We call this process the Harmony FORMula.

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Independent Advisors

We’re not beholden to any one company, so we can truly give you objective analysis.

Professional Partnerships

We work closely with our home office partner on complex cases to make sure we’re doing what’s in your best interest.

Your Team

As your financial advisor, we will work with anyone else on financial team. With your introduction, we’ll happily work with your CPAs, Attorneys, etc.

Can you help if I already have insurance through another agent?

Yes! We review and coordinate existing policies within your overall financial plan.

Will you review my existing insurance policies?

Absolutely. Reviewing current coverage is a key part of our risk management process.

What types of insurance do I really need in retirement?

That depends on your income, assets, health, and family priorities. It also varies on your risk tolerance and which risks you’re comfortable assuming versus preferring to transfer through insurance policies.

What types of insurance do you help with?

We are licensed life and health insurance agents, and can help cover needs in those areas as well as long-term care, Medicare-related coverage, and broader risk management planning into the financial planning work that we do.

When should I start planning for Medicare?

Ideally six to twelve months before turning 65 or retiring.

Do you assist with Medicare enrollment and plan selection?

Yes! Bob Travers is certified to offer Medicare Supplement, Advantage, and Part D plans. As an independent agent, he will help you find the best solutions for you, no matter what plan or company that may be with.

Do I need long-term care insurance if I have savings?

We believe that having a plan for long-term care is crucial – whether that plan involves having a policy designated to cover long-term health costs, or if your plan is to self-fund those potential expenses. Either way, we make sure we address that during our planning process.

Do you work with outside professionals for specialized needs?

Yes! We collaborate with trusted professionals whenever additional expertise is needed.

Ready to Get Started?

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