Investment

Safeguarding Your Assets Against the Unexpected

A well-rounded financial life requires a balance between growing your wealth (investing) and protecting it (insurance). While you may have a robust portfolio of stocks, bonds, and real estate, a single unexpected lawsuit or liability claim can instantly jeopardize your financial progress.

Risk Tolerance vs. Risk Capacity

• Risk Tolerance: is how much market volatility you can stomach emotionally.
• Risk Capacity: is how much loss your financial situation can actually endure. Insurance increases your risk capacity by transferring the catastrophic risks (lawsuits, property loss, health emergencies) to an insurance carrier.

The Ultimate Investment Shield: Umbrella Insurance If you have accumulated significant investments or home equity, standard auto and homeowners liability limits are rarely enough. If you are sued following a severe auto accident or an injury on your property, and the judgment exceeds your underlying policy limits, courts can order the liquidation of your investments and the garnishment of future wages.

• Personal Umbrella Policies provide an extra $1 million to $5 million+ in liability coverage over and above your base policies. It is one of the most affordable ways to put a protective wall around your entire investment portfolio.

Guaranteed Growth Vehicles For the ultra-conservative portion of your portfolio, consider the role of insurance products. Fixed annuities and the cash-value component of whole life insurance offer predictable, guaranteed growth insulated from stock market crashes.