Insurance Solutions
Protection strategies tailored to preserve assets, secure income, and enhance long-term outcomes. We offer access to top-tier insurance products aligned with your broader financial strategyโdelivered with full transparency and no pressure.
Discover Insurance Solutions
Insurance plays a vital role in financial security, legacy preservation, and income continuity. We offer integrated insurance solutions that complement your financial strategy, not replace it. Our approach goes beyond planningโwe help implement the right coverage using market-scanned products across a range of carriers. Solutions may be used to replace income, protect assets, fund estate obligations, support charitable intentions, or address long-term care needs. Our insurance division, CoreShield Insurance, operates with the same fiduciary alignment as our advisory practiceโdelivering objective guidance with clear, commission-transparent implementation.
Where We Add Value
We help clients implement insurance solutions that align with their financial goals, liquidity needs, and legacy priorities. Hereโs how we support you:
- Income Replacement & Protection: We match clients with term or permanent life insurance products designed to safeguard income for dependents or fund future obligations.
- Long-Term Care & Health Coverage: We offer stand-alone and hybrid long-term care solutions, including asset-based and indemnity-style policies, to help fund future healthcare needs.
- Estate Liquidity Strategies: We structure life insurance policies to provide liquidity for estate taxes, wealth equalization, or legacy bequests without disrupting core assets.
- Business Continuity Solutions: We assist with key person insurance, buy-sell funding, and executive carve-outs to protect and transition privately held businesses.
- Charitable Funding Vehicles: We help design life insurance strategies that benefit philanthropic causes, such as using policies inside charitable trusts or for gifting.
- Policy Performance Reviews: We conduct in-force audits on existing life or long-term care policies, identifying underperformance, lapse risk, or alternative strategies.
- Implementation Support: We provide hands-on support throughout underwriting, carrier selection, and policy deliveryโensuring the right fit and competitive pricing.
- No-Pressure Model: All recommendations are made with full transparency, and clients are never obligated to purchase a policy. Strategy comes firstโimplementation is optional.
Insurance Specifier & Market RFP
Insurance Solutions We Offer
We provide clients with access to a range of insurance products tailored to specific financial goals. These may include:
- Term Life Insurance: Cost-effective coverage to protect income and meet short- to medium-term needs.
- Whole Life & Universal Life: Permanent policies offering long-term protection, cash value growth, and estate transfer features.
- Guaranteed No-Lapse UL: Lifetime coverage designed for estate liquidity or wealth transfer, without the volatility of market-based policies.
- Indexed & Variable Universal Life: Flexible policies offering exposure to index returns or subaccounts for those seeking accumulation potential with downside protection.
- Hybrid Long-Term Care Insurance: Policies that combine life insurance with LTC benefits, offering value even if care is never needed.
- Standalone LTC Policies: Traditional long-term care insurance offering customizable daily benefit levels, elimination periods, and inflation protection.
- Disability Income Insurance: Income replacement protection for professionals or business owners in case of injury or illness.
- Key Person & Buy-Sell Insurance: Corporate-owned policies to ensure continuity and protect enterprise value during transitions or loss of leadership.
- Premium Financing Consultation: Advanced strategies for leveraging credit to fund large insurance purchases with minimal liquidity disruption.
The CoreShield Difference
Global Advisers delivers these solutions through our in-house platform, CoreShield Insurance, where every advisor follows the same fiduciary standards as our investment practice. Clients receive:
- Access to top-rated carriers
- Transparent pricing and commissions
- Needs-based product selection
- Integration with your financial plan
- No sales quotas, no conflicts of interest
FAQ About Insurance Solutions
Insurance needs evolve with life changes such as marriage, children, home purchases, or retirement. Reviewing coverage at least every few yearsโor after major life eventsโhelps ensure your protection strategy remains aligned with your financial plan. We work alongside clients to integrate these reviews into their ongoing financial planning process.
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.
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.
Insurance provides financial protection against risks that could otherwise derail your long-term investment strategy. Itโs not just about policiesโitโs about ensuring that unexpected events such as illness, disability, or death donโt compromise your ability to reach financial goals. Our role is to help clients evaluate how different coverage types align with their overall wealth plan.
Because tax laws and personal circumstances change, itโs wise to review your financial plan with tax awareness at least once a year, and whenever significant events occurโsuch as selling a business, receiving a large bonus, or retiring. These reviews help ensure your investment strategy remains aligned with your goals, while your tax professional ensures compliance with current regulations.
Common areas include retirement account contributions, required minimum distributions, capital gains, and estate considerations. Each of these can impact when and how much you keep of your investment earnings. We work with clients to model how these factors may affect their broader wealth plan, leaving tax calculations and compliance to their CPA or tax professional.
Taxes can affect your net returns, making tax awareness an important part of portfolio construction. Asset locationโdeciding which investments are held in taxable accounts versus retirement accountsโcan influence long-term growth. We help illustrate how strategies like tax-efficient investing or rebalancing might fit within your overall financial plan, while your tax advisor handles the technical rules and filings.
In financial planning, tax planning refers to aligning your investment and savings strategies with awareness of how taxes may affect your overall wealth. While tax professionals provide the detailed guidance, we focus on helping clients understand how investment decisions, account types, and timing of withdrawals may influence their after-tax outcomes.
A business plan tied to personal finances should be reviewed regularlyโat least annuallyโand whenever there are major changes such as expansion, ownership changes, or shifts in cash flow. These reviews provide an opportunity to update investment strategies, reassess retirement contributions, and ensure your personal financial plan evolves alongside your business.
Key areas include liquidity management, retirement plan structures, risk management, and succession planning. Business owners also benefit from strategies to diversify wealth outside the company to reduce concentration risk. We help analyze how these elements fit into an integrated financial strategy that supports both business stability and personal wealth growth.
Your business is often your largest asset, and decisions within it directly impact your personal wealth. Choices like reinvesting profits, paying yourself a salary, or setting up retirement plans influence your long-term financial picture. While accountants and attorneys address tax and legal requirements, our role is to show how business cash flow and investment decisions connect to personal retirement, estate, and wealth-building goals.
From an investment perspective, business planning is about aligning your companyโs financial resources and growth objectives with long-term wealth goals. This includes cash flow strategies, reinvestment decisions, retirement planning for owners, and preparing for eventual succession or sale. We help business owners evaluate how business strategies integrate with their personal financial plans.
Managing risk is a balancing act: you need enough growth to outpace inflation, but enough stability to avoid tapping into assets during market downturns. Many use a tiered approachโliquid, low-risk assets cover near-term spending, while remaining investments support growth. Withdrawal strategies should be flexible, incorporating safe initial withdrawal rates and adjusting as needed to ensure longevity.
Ideally, you begin reviewing your retirement plan well before retiring. About 5โ10 years out, it’s wise to reduce high-risk holdings and build a cash reserve (often 1โ2 years’ worth of withdrawals). This โbucket strategyโโallocating funds into short-term cash, mid-term bonds, and long-term equityโhelps buffer volatility while keeping growth on track.
Thereโs no one-size-fits-all answerโneeds vary by lifestyle, projected expenses, and length of retirement. Common approaches include aiming for 70โ100% of pre-retirement income, applying the โ4% ruleโ (dividing desired annual income by 4%), or calculating based on multipliers like saving 10ร your final salary. We help tailor projections using personalized goals and account for other income streams when available.
Retirement planning means aligning your broader financial strategy with long-term goalsโthinking about how income sources, spending needs, and investment allocations evolve once you stop working. While legal or tax professionals handle things like Social Security strategies, pensions, or account rules, we focus on crafting a sustainable investment plan designed to support your desired retirement lifestyle.
Because life is unpredictable, itโs wise to build flexibility into your financial plan. That means maintaining an emergency fund, regularly reviewing your goals, and being prepared to pivot your savings prioritiesโwhether that’s boosting liquidity, reallocating assets, or adjusting projected timelines. We help clients structure plans that adapt without derailing long-term objectives.
Some life events frequently trigger financial planning needs, such as:
- Experiencing a pay raise or career change
- Getting married or divorced
- Welcoming a child or growing your family
- Buying a home
- Entering retirement or facing health changes
While advisors or attorneys may handle legal or tax processes, we help explore how those events impact your current and future investment plan, whether itโs adjusting your saving rate, reprioritizing goals, or revising risk profiles.
We help you translate emotional and financial changes into actionable investment strategiesโnot by handling legal or tax particulars, but by focusing on your overall financial trajectory. Whether your income rises, expenses shift, or new goals emerge, we can model how those changes impact your retirement timeline, portfolio allocation, and savings flows.
Major life events are those pivotal momentsโlike job promotions, marriage, divorce, starting a family, buying a home, or retirementโthat often necessitate reassessment of your financial strategy. Each event may affect income, savings capacity, risk tolerance, and your investment objectives. As investment advisers, we help clients recalibrate their investment plan in response to these transitions.
These are foundational tools in estate planning:
- Wills guide how assets not otherwise titled or designated will be distributed.
- Trustsโsuch as revocable living trustsโcan help avoid probate, offer privacy, and facilitate smoother asset transfer
Fidelity - Beneficiary designations (e.g., on retirement accounts) allow assets to pass directly without needing probate.
As investment advisers, our focus is on how changes in these documents potentially affect your financial balance sheet, cash flow planning, portfolio composition, and longโterm wealth goals.
Nearly everyone can benefit from having a basic plan in place, regardless of asset size. If you have financial accounts, personal belongings, or dependents, estate planning helps ensure your wishes are followed and that transitions are smoother for your heirs. While you might handle legal documents with a professional, we help you think through how your investment assets should be handled within your financial planning framework
Itโs generally smart to have periodic reviewsโat least every 3 to 5 yearsโand also after major life events like marriage, divorce, new children, significant asset changes, or the death of a loved one. From our standpoint, these reviews are opportunities to update investment allocations, savings strategies, and projections to reflect your current financial picture.
From our perspective, estate planning is more than just legal documentsโitโs about aligning your investment strategy with longโterm goals, ensuring your financial legacy is managed thoughtfully. While legal professionals handle tools like wills, trusts, and beneficiary designations, we can show how these tools might impact investment strategies, inheritance outcomes, and financial projections. Once basic documents are in place, we help you keep investments aligned with evolving objectives.
Note: Legally, estate planning involves documents like wills, trusts, powers of attorney, and healthcare directives. Itโs not solely for the very wealthyโeveryone with assets or loved ones can benefit
Paying for college is one of the largest financial goals many families face. We help clients look at how education savings fits into their broader investment plan, balancing it alongside retirement, home ownership, and other priorities. Our role is to show how different savings choices may affect your long-term financial picture, without providing legal or tax advice.
Families often use accounts such as 529 savings plans, custodial accounts, or general investment accounts. Each option has its own features, including potential tax advantages, flexibility, and ownership rules. While attorneys or tax professionals can advise on the specific tax treatment, we help clients compare how different accounts may align with their investment goals, time horizons, and liquidity needs.
The right savings target depends on your familyโs unique situation, including the type of school you expect your child to attend, projected costs, and other resources you may have available. We can run projections that illustrate different savings paths and how they may impact your overall financial plan. Decisions about how much to save are personal, and we provide guidance on aligning those choices with your long-term objectives.Paying for college is one of the largest financial goals many families face. We help clients look at how education savings fits into their broader investment plan, balancing it alongside retirement, home ownership, and other priorities. Our role is to show how different savings choices may affect your long-term financial picture, without providing legal or tax advice.
Some accounts, like 529 savings plans, can be used for qualified education expenses beyond college or even transferred to another family member. If funds are not needed for education, they may be redirected or repurposed as part of your broader financial strategy. We help clients explore scenarios so they understand how unused funds may affect their investment planning, while tax or legal questions are best addressed with the appropriate professionals.
Post-divorce, itโs common to have a new set of financial priorities. Some clients may need to rebuild emergency savings, update investment objectives, or plan for retirement with revised income and expense assumptions. While estate, legal, and tax questions are handled by the appropriate professionals, our focus is on making sure your investment plan reflects your updated goals and circumstances.
Yes. Divorce often requires adjustments to accounts and beneficiary designations. While attorneys and tax professionals handle the formal division of retirement assets, we help clients review how these changes may affect long-term projections. This includes reassessing contribution strategies, withdrawal timelines, and portfolio allocations to keep you on track toward your goals.
Our role is to help you understand the financial implications of the choices you may face during and after divorce. We do not provide legal or tax advice, but we can model how different scenariosโsuch as changes in income, savings rates, or asset transfersโmay affect your ability to reach retirement and other goals. We also help ensure that investment strategies remain consistent with your new financial situation.
Divorce can significantly affect your overall financial picture, including income, expenses, assets, and retirement savings. From an investment perspective, itโs important to reassess your goals, update your budgets, and re-evaluate your portfolio strategy once household finances change. While legal and tax professionals address issues such as property division and tax filings, we focus on helping clients adjust their investment and savings strategies to stay aligned with long-term objectives.
Global Advisers provides truly independent, conflict-free financial planning built on a fiduciary standard. Unlike many firms that rely on generic models or sales-driven approaches, we deliver personalized strategies tailored to your goals, risks, and values. Our planning process is structured, transparent, and designed to evolve as your life doesโso your plan stays aligned with what matters most to you.
A comprehensive financial plan should do more than just track investments. It must integrate your income, expenses, savings goals, insurance needs, debt management, and future priorities into one cohesive strategy. At Global Advisers, we design plans that provide clarity, confidence, and long-term directionโhelping you make informed decisions at every stage of life.
A well-built financial plan provides structure during uncertain times. At Global Advisers, we help you prepare for inflation, market declines, and unexpected life events by stress-testing scenarios, diversifying risk, and building in flexibility. The result is a strategy that keeps you focused on long-term goalsโeven when the economy shifts.
- Retirement Planning: Helping clients plan for retirement by analyzing current savings, and projected retirement needs, and creating strategies to achieve retirement goals.
- Education Planning: Assisting clients in saving for their children’s education expenses through various investment vehicles like 529 plans.
- Estate Planning: Advising on the distribution of assets upon death, minimizing estate taxes, and ensuring a smooth transfer of wealth.
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