Specialized financial risk consulting.
Unbiased advice in an industry full of bias. We help business owners, families and their advisors understand and manage the risks that can disrupt what they’ve built — starting with the risk, not a product.
Business Owners
If something happened to an owner or key person, would the business hold together — and would the buy-sell agreement actually be funded? Plus how to attract and keep key leaders.
For business ownersFamilies & Individuals
If something happened to you, would your family be okay financially — and is your existing coverage still working? Insurance only where it’s needed, set up and managed right.
For families & individualsProfessional Advisors
If a client’s situation crosses into insurance, succession or estate risk, who works out how big the risk is — and who puts the fix in place without competing for your client? A specialist at your table, not a competitor.
For professional advisorsThe FRP approach
Financial risks cross disciplines — risk management, financial planning, employee benefits, legal and tax often overlap, and it isn’t always clear who owns the problem. That is the work.
Some situations need something sophisticated. Some just need what you already have fixed. Some need nothing at all.
When a problem touches several of these areas at once, we work it directly — alongside your financial planner, attorney, CPA and a network of specialists.
- 1DiscoverUnderstand where you are, where you want to go, and the risks that could get in the way.
- 2PlanWeigh the alternatives with the right expertise at the table, then decide together.
- 3ImplementPut the decision in place — only where something actually needs to change.
- 4ManageKeep watching it as your life, business and coverage change.
Most life insurance is bought once and never looked at again.
Policies drift. Costs climb, the policy doesn’t perform the way the original projections showed, the person who sold it moves on — and no one on your team is watching it. Some policies were sold, not designed. A review tells you where yours actually stands.
- Keep it — it’s doing its job
- Fine-tune it — funding, ownership or beneficiaries
- Keep it, and fill the gap — it covers this, not that
- Right-size it — your needs have changed
- Upgrade it — when a new policy clearly beats yours
- Exit it — surrender it or sell it
Prefer to start on your own?
Protection Map is a self-guided look at how your household would hold up through four major life disruptions.
You can't get where you're going if you don't know where you are. Protection Map shows where your household stands — the risks, the gaps, and what it would take to close them.
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The first conversation is to understand your situation and see whether we can help.
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