We help individuals and families select the appropriate insurance coverage for their risk tolerance and budget. We help in risk/reward analysis. Examples:

-What health insurance plan to select when your employer offers two or more health insurance plans?

-What type of Medicare plan to select when you reach age 65 or actually retire from your employment? Should you select Medicare Advantage (Medicare C)? What’s more important to you: premium vs. out-of-pocket expenses during illness vs. choice of doctors vs. allowed benefits and medications?

-Auto Insurance:  For the liability part, what should be the limits of coverage? Should it be the minimum required by law?

-Homeowner’s Insurance: What is your risk tolerance within your budget? For large deductibles, the premiums may be lower. Is this what you are comfortable with?

-Pensions/401K/IRAs:  For every age, we create a customized decision tree and apply the amounts of savings you can afford.

-We do not work on commissions or charge a set fee. Our advice is a public service to help you and your family  find a holistic risk management plan that best fits your needs within your budget.