Insurance and Risk Management

While you navigate the volatile markets to achieve your financial goals, you also want to make sure that no matter what twists and turns life sends your way - losing a job, becoming sick or disabled, living too long, or dying too soon - you'll have a financial safety net in place to protect you and your family. Insurance is a way to address that risk.

There are lots of factors to consider when determining how much and what kind of life insurance to buy, and the purchasing process can be quite complicated. So when youíre ready to shop, itís always a smart idea to seek assistance from a qualified insurance advisor who will take the time to carefully assess your needs, and provide you with options from which to choose.

High Valley Financial Planning Services will work with you to:

  • Perform an insurance needs assessment
  • How much do you need? If you die prematurely, what financial burdens will be threatening your loved ones? Loss of income, mortgage liability, college education, final expenses and taxes are all possible threats. What if you linger and need nursing care? We help you calculate your insurance needs by assessing your existing coverage, if any, and available resources, to arrive at a net insurance need.

  • Suggest suitable insurance strategies using various life, disability, or long-term care products
  • Once we determine your needs, we look at various insurance tools to maximize the protection you will receive. We work with your current and projected cash flow to come to an optimal strategy. Sometimes combinations of insurance products are proposed. We educate you about the differences between insurance product types, and communicate clearly to you why and how the insurance strategy is to be used. We are here to find the best available solution for you.

  • Shop for a most suitable insurance carrier for you
  • We donít work for a specific insurance company. Each insurance company has its strengths and weaknesses regarding age, coverage, and health standards requirements. We apply for the insurance carrier that best suits your unique needs.

  • Review annually together with your overall financial plan
  • Insurance is an integral part of your overall financial plan. Sometimes your circumstances change and may require a change in insurance strategy. We review your insurance strategy regularly with you to ensure it is still sound.



Registered Representative, Securities and Investment Advisory Services offered through Cambridge Investment Research, Inc., a Broker/Dealer, member FINRA/SIPC to residents of CA and WA. Investment Advisor Representative, Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. High Valley Financial Planning Services and Cambridge Investment Research, Inc. are not affiliated. Check out my background on FINRA's BrokerCheck.