Insurance & Risk Management
Protecting What Matters Most
Building resilience into your financial plan
Insurance is more than a safety net—it’s a key part of protecting the people and priorities that matter most. At Destination Wealth Advisors, we help you integrate risk management into your overall financial strategy. From life insurance to long-term care, we make sure you’re prepared for the unexpected, so your financial plan stays intact even when life takes a turn.
Holistic Insurance Planning
A full-picture view of your protection needs
Our planning process includes an in-depth review of your personal insurance coverage to ensure it aligns with your goals. Unlike advisors who focus solely on investments, we incorporate insurance into your long-term strategy—so nothing falls through the cracks. Whether you’re protecting your income, family, or legacy, we help you plan with clarity and confidence.
What We Help You Evaluate
Common insurance strategies we review and recommend
We assess your current coverage and help identify gaps or areas for improvement. Here’s how we support your insurance planning:
Life Insurance Planning
We help determine the right amount and structure of life insurance based on income replacement, estate needs, or business continuity.
Long-Term Care Planning
We review options for managing the high costs of care—including traditional policies, hybrid life/LTC solutions, and strategic self-funding.
Disability & Income Protection
We emphasize the importance of protecting your earning power and help evaluate short- and long-term disability insurance.
Asset Protection Strategies
We may discuss options like umbrella liability coverage and proper asset titling to help shield your wealth from potential risks or lawsuits.
Frequently Asked Questions
Do you sell insurance policies?
No. We do not sell insurance directly or earn commissions from recommending specific products. Our role is to help you determine what coverage you need, then coordinate with your current providers or refer you to trusted professionals if needed. Our advice is objective and centered around your best interest.
What types of insurance do you help with?
We review and advise on a range of personal insurance needs including life, disability, and long-term care. We also help evaluate liability protection and coordinate insurance strategies with your estate and financial plan. While we don’t sell policies, we help ensure you have the right ones in place.
Do I need long-term care insurance?
Long-term care planning is a key part of retirement and risk management. While not everyone needs an insurance policy, we help evaluate your risk, family situation, and financial resources to decide whether LTC insurance—or another strategy—is appropriate.
How does insurance fit into a financial plan?
Insurance protects your income, assets, and family if something unexpected happens. It provides the foundation that allows the rest of your plan—investments, retirement, estate—to function smoothly even in uncertain times. We view it as a critical layer of financial security.
Can you review my existing insurance policies?
Absolutely. We’ll assess your current policies, verify they still align with your needs, and identify any gaps or overlaps. Whether you’re considering a new policy or just want a second opinion, we offer clear, practical guidance to help you make informed decisions.
