Financial planning - Insurance and risk
An honest read on whether your coverage fits the plan.
A needs-based review of life, disability, and long-term care coverage, with no products sold and nothing to push.
WHO IT'S FOR
Planning that fits a specific situation.
- Families with children, a mortgage, or a single primary earner
- Business owners whose income or loans depend on them personally
- Households offered a policy who want a second opinion before signing
- Pre-retirees weighing their long-term care exposure
WHAT'S INCLUDED
Coverage needs analysis
Estimating how much life and disability coverage the household actually needs.
Existing policy review
A plain reading of what current policies do, what they cost, and what they leave uncovered.
Long-term care discussion
Framing the long-term care exposure and the realistic ways to handle it.
Business risk review
Where owner income, key person, and loan obligations need coverage.
01
Free consult
A direct 30-minute call to understand your situation, timeline, and the decisions ahead.
02
Written plan
A clear, tax-aware plan: what to do now, what to monitor, and the order to do it in.
03
Coordinate
We loop in your attorney, investment advisor, or insurance agent when an issue calls for one.
04
Review
Planning is revisited as tax law, income, and family circumstances change.
Do you sell insurance?
No. The firm does not sell insurance and earns no commissions. The review is independent, and you take the findings to an agent of your choice.
Why have a CPA review insurance?
Because coverage decisions interact with taxes, business obligations, and the rest of the plan, and an independent review has no product to sell.
Can you tell me if I am over-insured?
Yes. Over-insurance is as common as gaps, and trimming coverage you do not need frees up cash for other goals.
MORE PLANNING AREAS
START HERE
Talk through your situation with a licensed Texas CPA.
No obligation. We will map the planning questions and confirm scope before any work begins.