Insurance planning designed to protect you

Insurance certainly plays an important role in your financial plan and offers protection to you and your family in the case of accident, illness, disability or death. We can conduct an insurance analysis to help determine if your existing insurance coverage is adequate for your needs today and in the future. Specific insurance planning tools we offer include:

Life insurance

Your life insurance policy can provide your surviving family members with the money they need to maintain the standard of living you have established. We can offer our professional guidance in choosing the type and amount of life insurance that best fits your individual situation.

Disability insurance

When you are unable to work for a lengthy time period, disability insurance can replace part of your lost income. Often, employers offer some coverage, but it can be limited. We can help you assess your needs and recommend the best course of action.

Long-term care insurance

This insurance is designed to help you cover the high cost of nursing homes, assisted living or at-home healthcare. A common misperception is that these costs will be covered by Medicare. The fact is, there are stringent income eligibility requirements that must be met to cover your long-term care under Medicare. We can recommend coverage to protect your assets from being depleted by a major health event.


Annuities are tax-deferred investments designed to provide a guaranteed stream of income for life* (or, in some cases, a specific number of years.) There are many types of annuities, all of which have advantages and disadvantages. We can help you determine if an annuity is right for your financial situation and, if so, recommend the type we believe best serves your interest.

*Insurance offered through the Raymond James Insurance Group, an affiliate of Raymond James Financial Services, Inc. Guarantees are based on the claims-paying ability of the issuing company. Annuities are long-term investment alternatives designed for retirement purposes. Withdrawals may be subject to income tax and, if taken prior to age 59 1/2, a 10% federal tax penalty may apply.