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global advisers wealth management
global advisers wealth management
Insurance & Risk Management2025-08-17T01:56:22-04:00

Insurance & Risk Management

Protect what matters most with integrated risk planning. Insurance and risk management are core components of financial planning, providing protection against uncertainty and helping preserve your long-term financial goals.

Take charge of your financial future.

Begin today โ†’

What Is Insurance & Risk Management?

Insurance and risk management involve identifying potential threats to your financial security and putting protection strategies in place. We help clients select appropriate insurance coverageโ€”life, health, disability, long-term care, and moreโ€”based on their goals, family situation, and financial plan. Risk management ensures that unexpected events like illness, injury, or loss do not derail your long-term progress. With the right strategy, you can gain peace of mind and strengthen your overall financial resilience.

Our Services

We assist clients in integrating insurance and risk protection into their financial lives to guard against disruptions and preserve wealth. Hereโ€™s how:

  • Comprehensive Risk Assessment: We evaluate your current situation to identify potential vulnerabilitiesโ€”health issues, income loss, disability, or liability exposureโ€”and prioritize coverage needs.
  • Life Insurance Strategy: We recommend and structure term or permanent life insurance policies to protect family members and fulfill legacy or liquidity objectives.
  • Disability Income Planning: We help ensure that your income is protected in the event of a long-term disability, using private or employer-sponsored policies.
  • Long-Term Care Planning: We assess your need for long-term care coverage and evaluate traditional and hybrid insurance solutions that protect assets later in life.
  • Health Insurance Integration: We review individual and employer-sponsored health insurance options, including ACA plans, Medicare, and supplemental policies.
  • Liability Risk Management: We evaluate umbrella liability needs and ensure adequate protection for high-net-worth individuals, business owners, and families with complex assets.
  • Business Continuity Insurance: For business owners, we design key person coverage, buy-sell agreement funding, and business overhead expense policies to protect operations.
  • Policy Review and Optimization: We conduct in-force policy reviews to assess existing insurance performance, recommend improvements, and eliminate coverage gaps.
  • Coordination with Planning Strategy: We integrate insurance coverage into broader financial planning, ensuring alignment with estate plans, investment goals, and tax strategy.

Who We Help

We serve a wide range of clients seeking to reduce risk and protect their financial security, including families who need income protection, education security, and survivor benefits; high-income professionals with dependents and future obligations; and retirees preparing for healthcare or long-term care costs. We also support business owners with continuity planning, key person coverage, or partnership funding needs, as well as individuals seeking liquidity for estate taxes or charitable goals. Additionally, we assist clients with legacy or philanthropic intentions, and those holding outdated or underperforming policies that require review and optimization.

Related

College Planning

Build an education funding strategy using 529 plans, custodial accounts, gifting, and multi-generational contributions.

Retirement Planning

Turn savings into income, time Social Security, and coordinate taxes, investments, and healthcare costs.

Estate Planning

Align assets, trusts, beneficiaries, and legacy goals so what youโ€™ve built is passed with intention.

Divorce Planning

Gain clarity during transition: asset division, liquidity needs, support obligations, and your post-divorce plan.

Business Planning

Balance business value with personal goals: succession, retirement plans, entity structure, and tax strategy.

Life Events

Marriage, relocation, inheritance, or lossโ€”major changes call for updated financial decisions and direction.

FAQ About Risk Management

When should I review my insurance coverage in relation to my financial plan?2025-08-17T01:55:05-04:00

Insurance needs evolve with life changes such as marriage, children, home purchases, or retirement. Reviewing coverage at least every few yearsโ€”or after major life eventsโ€”helps ensure your protection strategy remains aligned with your financial plan. We work alongside clients to integrate these reviews into their ongoing financial planning process.

How does insurance affect investment decisions?2025-08-17T01:54:54-04:00

Insurance can influence how aggressively or conservatively you invest. For example, having adequate protection in place may give you confidence to take on more investment risk, while gaps in coverage may require a more conservative approach. We focus on integrating insurance considerations into portfolio construction so that risk management and growth strategies work together.

What kinds of insurance should I consider as part of financial planning?2025-08-17T01:54:45-04:00

Depending on your stage of life and personal circumstances, insurance may include life, disability, long-term care, health, or property and liability coverage. While insurance agents provide the actual products and details, we help you think through which types of protection support your broader financial objectives and risk tolerance.

How does insurance fit into a comprehensive financial plan?2025-08-17T01:54:36-04:00

Insurance provides financial protection against risks that could otherwise derail your long-term investment strategy. Itโ€™s not just about policiesโ€”itโ€™s about ensuring that unexpected events such as illness, disability, or death donโ€™t compromise your ability to reach financial goals. Our role is to help clients evaluate how different coverage types align with their overall wealth plan.

Insurance Planning2024-06-01T05:12:29-04:00

  • Risk Management: Assessing clients’ insurance needs and recommending appropriate coverage for life, disability, health, long-term care, and property and casualty insurance.
  • Policy Review: Regularly reviewing existing insurance policies to ensure they continue to meet clients’ needs.
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ยฉ 1993 - 2025 Global Advisers, LLC

Global Advisers LLC is a registered investment adviser in PA, CA, and FL. Advisory firms cannot transact business in states where it is not registered, excluded, or exempt, except as permitted under the de minimis exemption. Personalized investment advice or securities transactions for compensation will only be provided where registered or exempt.

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