Risk Management & Personal Insurance
Ever wondered what would happen to you and your family if you were unable to work? What if you became sick or were injured? If these questions have ever crossed your mind, it might be time to speak with an insurance advisor.
An insurance advisor will help you to understand the financial risks present in your current situation, and will help you to understand the options that may be available to you in managing these risks.
This may include the use of personal insurance products, however just as often it may not. In many cases there are more cost-effective solutions available. You just need to know where to look.
Our risk advisors can help you to understand and quantify the risk, then will help you navigate your options to ensure your family are protected and you remain on track to reaching your financial goals.
We provide financial risk-management solutions for:
Types of insurance products we can provide advice on:
Our approach to risk management
If you've ever dealt with an insurance broker or salesperson the chances are the conversation starts by convincing you that you need to have insurance, and that anyone without insurance has made a conscious and selfish decision to leave their family with a financial burden in the event of their injury, illness or death.
But as they say, "when all you have is a hammer, everything looks like a nail".
The truth is that while insurance can provide a cost-effective way of transferring risk, many people we meet who have insurance either have the wrong types or levels to suit their actual needs. In fact, despite the best intentions of their brokers and advisers, insurance can actually be a significant hinderance to their wealth accumulation and protection objectives.
As professional wealth managers and advisors, we consider it our priority to ensure you achieve your financial goals in the most effective manner possible. Loading up on insurance for the sake of it doesn't (in and of itself) satisfy this objective.
Our approach is process-driven, ensuring we clearly identify what risks actually exist, before considering a whole range of strategies and options to mitigate or manage this risk.
There are 8 key steps to our Risk Assessment Process:
For more information about us or our approach, please contact our office.
What we look for in an insurance policy: