Risk management is a critical part of any financial plan or financial map. How we choose to protect ourselves, our assets, our liabilities, and our important belongings is extremely important.
The categories below represent several significant areas of protection. Some of these things allow you to build a self-completing plan, that is, a plan that provides income and benefits to your family whether you live, die, or become disabled.
Our Financial Learning Center focuses on the tools and resources needed to initiate change, the financial instruction to understand and embrace these changes, and the ongoing mentoring and support needed to attain financial self-reliance.
"The best way to predict your future...
is to create it."
Steven Covey
For many, buying a car, selling a car, financing a car, calculating car payments or insuring a car can be a very intimidating and unsettling experience. In this section, we will discuss some “best practices” to help you to navigate and overcome these common challenges. If you need some help, lean on us!
Owning a home is a very big responsibility. There are so many things to contemplate and understand as we become homeowners. How much home can I afford? If I am not a realtor, what do I need to know about buying a home, selling a home, insuring a home, financing a home, etc… If you have a few questions you may find some of these answers here!
Renting a home has its own set of challenges and experiences. You may have some questions about how to insure your contents if you are renting a new, apartment, condominium, town-home or house. In this section learn what you can insure and how to do it, what types of things are typically covered, and when you can afford to own.
Excess liability (umbrella insurance) is often misunderstood and neglected, but it is a very necessary and important component of your risk management portfolio. Learn why this is so important, what it covers, and how to protect yourself from those who would want or need to file a law suit.
Many of us own ATV’s, Motorcycles, Razor’s, Snowmobiles, Boats, Trailers, Campers, and Motorhomes. In this section we will discuss renting or owning them? The type of insurance? How to calculate a monthly payment, the risks and liabilities of ownership, etc…
Owning your own business comes with many different responsibilities and demands. As a business owner, you need to make sure you are properly protected. Some business owners start out working from home, others rent or lease office, warehouse, retail or food service space. No matter what stage your business is in currently, make sure you, your business and your business property are properly protected.
Life insurance is one of the most underappreciated necessities of our time! Most people have a tenth of what they need and thousands purchase the wrong type every day. Learn the difference between term, universal life, whole life, guaranteed, indexed and variable life insurance. You will learn to calculate how much you need, why you need it, the benefits of each product, and what to buy!
We all work hard for what we have, but how do we protect our income and assets in the event of a catastrophe? Most of us worry about dying to soon, and some have even thought about living too long, but have you ever thought about being unable to work? How would this tragedy effect your family? Learn how to overcome this reasonably common challenge.
Remarkably, most of those who retire today will live longer in retirement than we will have lived employed! For many this is an alarming statistic, especially with the cost of Long-term care. In this section, you can research your options and gather the information necessary to make an informed decision.
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