Risk Management and Insurance
Life constantly throws the unexpected at us. Expect the unexpected. Planning for and managing risk is integral to securing you, your family, and your business’s future.
The Basic Rules of the Risk Management Process:
- Coverage for potential catastrophes should be purchased first (Life, Disability, Health, Homeowner’s, and Auto).
- Severity is more important than probability
- High probability will mean high premiums or a decline of coverage by the carrier
The process in which we review and act on the transfer of risk to the appropriate carrier is extensive and can be overwhelming. Our goal is to examine you, your business, or your family’s needs for insurance (Life, Health, Long-Term Care, Dental, Vision, Homeowner, Auto, etc.) and provide the appropriate advice on its implementation.
We do not sell a specific insurance product from one carrier here at Boyer Financial Services. As a Registered Investment Advisor acting in a fiduciary capacity, we gather multiple quotes and illustrations from some of the nation’s most experienced carriers to compete for your business at the lowest possible premium. In some instances, estate taxation or the transfer of value rules are more pertinent than others. For our high-net-worth clientele, we will review, communicate, and plan for any tax issues that may arise.
Comprehensive Insurance review and analysis services including, but not limited to:
- Life Insurance (Whole, Term, Universal, Variable Universal, etc.)
- Disability (Long-Term Care, etc.)
- Health Insurance (Medicare, COBRA, HMO, PPO)
- Property & Casualty Insurance
- Employee Benefits (Cafeteria Plans, Vision, Dental, Health, Fringe Benefits)
*Boyer Financial Services does not directly offer dental, vision, auto, home owner, or property casualty insurance.
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Additional Services
INVESTMENTS
BUSINESS PLANNING
EDUCATION PLANNING
ESTATE PLANNING
RISK MANAGEMENT/INSURANCE
RETIREMENT PLANNING
