Insurance Planning

Insurance plays an important role in protecting both your family and your financial plan. It provides a safeguard against risks that could otherwise disrupt long-term goals. While investments are often the focus of financial planning, insurance aims to secure those strategies even when life takes an unexpected turn.

Our Approach

Through our partnership agreements we have access to fee-only life insurance, meaning that we do not make commission on our recommendations. By evaluating your existing coverage and identifying potential gaps, we can determine whether adjustments or additional protection are appropriate.

Areas We Consider

• Life insurance to help protected loved ones or provide liquidity for estate needs

• Disability coverage to address income protection during unforeseen circumstances

• Long term care considerations for future health related expenses

• Policy reviews to evaluate existing coverage and ensure alignment with your overall financial plan

Plan Integration

Insurance planning is not a separate piece from wealth management, it plays an important role in its foundation. By coordinating coverage with your retirement, investment, and estate planning strategies, insurance becomes a tool that supports the long term stability of your financial picture. We work proactively with you to create a base plan, and update coverage as needed as your life evolves.

*Select services are exclusive to Shed and Shed Family Office Plans