Potentially one of the most difficult areas for individuals and families to discuss. While it’s not always exciting, protecting yourself and those you care for is a cornerstone of good financial planning. Do your work sponsored plans cover all your concerns? How do the “what if’s” play out should a need occur? Most often we find evaluating what you currently have as a starting point. If we decide together a gap does exist or you have nothing – know that we have a long list of reputable companies, we can access for coverage.