Insurance Insurance is another critical component of everyone's financial well being and is often times overlooked. Contingency planning plays a significant role in the overall process of preparing for your families or businesses financial future. The "unexpected" can derail your future plans and cause financial hardship that is hard to quantify unless you have experienced it or are familiar with anyone that has. An untimely death, a disability or a long term illness that is not adequately covered by insurance can destroy a family or a business. We evaluate, identify and educate you on the types and amount of insurance that will become part of your overall plan. Insurance is a unique product that can fulfill or provide the funding for the things you "want" to happen (pay for college educations, weddings, payoff debt and provide overall financial security) even when you are not here or able to provide them.