Insurance Frequently Asked Questions

What kinds of insurance do you offer?

We broker life insurance, disability income insurance, and long-term care insurance. In obtaining Insurance coverage for our clients, We shop the market for the most suitable product at the best price.

Can I get auto or homeowners through you?

No – that requires another license which we do not hold. As part of a complete financial planning engagement, we will evaluate the client’s risk exposure in these areas, and recommend coverage changes as appropriate. We are glad to refer you to insurance agents who can assist you with these policies. BTW we neither pay nor accept referral fees from other professionals, nor do we accept any liability for their actions.

What role does life insurance play in a financial plan?

A crucial part. A life insurance death benefit can complete the overall plan in the event of an untimely death.

Tell me about life insurance for tax-free income.

The strategy is to purchase a policy in such a way that...

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Investment Frequently Asked Questions

In what should I be invested?

We make no recommendations before completing our due diligence. Only after we have a clear picture of your risk tolerance, income needs, tax situation, time horizon, and cash flow position do we make any investment recommendation.
There’s no such thing as a perfect investment. Each investment product on the market was designed to accomplish a specific purpose and has its own risk and reward characteristics. Whether it is a managed account with mutual funds, ETFs, individual securities, bonds, annuities and insurance products, our job is to match you with the appropriate vehicle.

Will you do socially responsible investing for me?

Yes of course. There are several mutual fund companies that screen their underlying investments for various social and/or religious criteria. by various

How much do I need to retire?

We can do a projection for you. For example, say you want to retire 10 years from now; you want to have an income of $100,000 in today’s...

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Financial Planning Frequently Asked Questions

Why do financial planning?

Short answer: because no one can hit a moving target. The financial plan informs all financial decisions: how to invest, what to save and where, and what insurance should I purchase or drop.

What should I expect when I come in to see you?

First of all, a warm welcome and a cup of coffee. We’ll meet in one of the conference rooms at our Miami office. We’ll give you a bit of personal introduction and will be interested to learn how you came to us.

From there, we listen. We want a general snapshot of your financial position, and we’ll really want to understand your specific concerns and goals for our engagement.

This is a time of seeing if we’re a good fit. You want to know if you feel comfortable with us. We want to know if you have reasonable expectations (i.e. you don’t want a 15% return per year with no risk). If all seems a go, we’ll enter into a financial consulting arrangement.

How many visits will this take?

It...

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