Wealth Managers

At Risk & Insurance Associates, we believe the following are key to ensuring successful planning outcomes:

Risk management as an essential component of comprehensive financial advice, and properly assessing and addressing risks;
Alignment with your practice and approach, directing our platform and resources nimbly;
Simplifying your process through our set of contemporary technology and tools.

As advisors, Wealth Managers typically focus their attention on high and ultra-high net worth individuals and business owners. As such, these clients have unique challenges and opportunities afforded to them because of their substantial wealth and complex fact patterns. Providing sophisticated planning for these clients requires specialized expertise and a substantial investment in creating the requisite service model.

Risk & Insurance Associates provides a team seasoned in developing risk management solutions for these clients, allowing you to leverage our expertise as an outsourced extension of your intrinsic value proposition in this space.

Case Design

We take great pride in developing and curating solutions for advisors and clients that are driven by the client’s goals and concerns and informed by empirical planning data and analysis. We maintain a firm grasp on the current state of the product landscape, understand the intricacies of policy design and carrier differentiation, and always rely on our financial planning foundation to put that knowledge to work for the benefit of the client. Our designs are always approached with a client-centric mentality, agnostic as to product and carrier – we want to best solution for each client engagement, period.
Financial Planning Integration

Our team is well versed in industry leading comprehensive financial planning systems and software (such as eMoney, Naviplan, MoneyGuide Pro, etc), allowing us to work together to integrate analysis and recommendations into your financials plans. This cohesive approach leads to continuity in all facets of the plan, and unifies the planning experience for the client.

Inforce Coverage Reviews

Many (even most) clients will have coverages they have accumulated over time with you or other advisors, through their employer, or organizations they are members of. Often these represent a haphazard smattering of policies that do not benefit from a global perspective on their planning utility. Further, may also included non-guaranteed elements that may or may not have performed up to expectation. Just as investment portfolios should be continuously monitored, managed, and measured against the planning objectives; so too should clients’ insurance portfolios. We offer a comprehensive insurance review process, and can assist in navigating the inforce illustration process with current carriers – providing you and your client clarity as to what they own, identify any potential issues, and provide a market perspective on this economics to detect any opportunities for achievable price efficiencies.
Advanced Markets Support

Advanced Markets is a broad term that encompasses a large host of client-specific planning realms that require specific expertise to effectively navigate. Our team brings together credentialed professionals with backgrounds in Estate Planning, Business Succession and Key Person, Executive Retention and Benefits, Split Dollar and Premium Financed Life Insurance Designs, High-Limit and complex Disability Income Insurance Situations, and many more areas outside of the typical realm of the client planning sphere. We are able to selectively deploy these resources in support of your mission to identify and execute on the planning needs of your client.

Life, Long Term Care, and Disability Income Insurance Underwriting and Procurement

Addressing the risks identified often involves the implementation of new insurance solutions. Our team is focused on delivering a streamlined, white glove experience to you and your clients during the entire procurement process, from initial presentation through policy delivery. We stand at the ready to present solutions to you and the client, “get into the weeds” when necessary, coordinate efforts with you and other professional advisors such as CPAs and Attorneys, and make the process as efficient and effective for everyone involved as possible. Oftentimes, underwriting presents challenges unique to a particular insured. Our team maintains close relationships with major carrier underwriters, keenly understanding which risks are best placed with which carriers – and we have expertise in gaining favorable outcomes for the most difficult cases to place.

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Let's Get To
Know Each Other

Request a case
consultation

Register to
access the site