Broker Check

Risk Management

Client Centered

Proper risk management is vital to a comprehensive financial plan, not only for your investment portfolio, but also for potential unforeseen life events. We can develop the best plans, but an untimely death, disability or health issue can be financially catastrophic, if not addressed properly. Utilizing our extensive experience, combined with our industry-leading software, we will analyze your need for proper coverage in the three main areas of risk: life, disability income and long term care insurances. Insurance is one of the only products for which you must qualify. If you wait too long to address these risks, coverage may be become prohibitively expensive or you may even risk not being able to qualify.

As independent advisors, BACK9 does not maintain any ties to any specific carriers, nor are we subject to any production requirements. As product offerings change over time, we continuously monitor and evaluate the appropriate solutions that fit with our client’s risk management objectives. During product selection, it is important to not only consider the cost of the coverage and the product features, but also the underwriting criteria and the financial strength of the insurance carrier.

We work with our clients in the following risk management areas:

  • Life Insurance Planning
  • Long Term Care Planning
  • Medicare Planning
  • Disability Income Insurance
  • Health Insurance
  • Property and Casualty Insurance