Insurance and Asset Protection

Managing Risk by Protecting Financial Assets

Timberchase Financial is committed to helping you safeguard your assets and investments from unforeseen risks and events.

We believe that insurance and asset protection is an essential component of any comprehensive financial plan. That’s why we take a comprehensive approach to insurance and risk management, working closely with you to identify potential risks and vulnerabilities and develop a customized plan that addresses those risks and protects your assets.

To help our clients receive the most comprehensive and cost-effective insurance coverage possible, we coordinate your insurance plan with outside independent agents so you get only what you need, for less cost.

Unlike many financial advisors, we do not sell insurance products or accept commissions. Timberchase Financial has no financial incentive to recommend any particular insurance policy or product.

Types of Insurance

The types of insurance that we review and advise on as a part of your overall financial plan include:

  • Life Insurance: If you have dependents who rely on your income, life insurance is an important part of your financial plan. However, many individual life insurance policies are costly and not a good fit for every situation. We make sure the life insurance you purchase is right for you and cost effective. We also review life insurance policies as part of estate planning for high-net-worth individuals and families, when appropriate.

  • Property and Casualty: We review automobile and homeowner’s insurance policies to determine if coverages are appropriate for changing circumstances so that you do not pay for more coverage than you need.

  • Long-Term Care: With the ever-increasing costs of long-term care, insurance can be a great solution in the right situation, but the policies are complex. We can help you determine whether this type of policy is appropriate for you and find the best option available.

  • Disability: It is more likely that an individual will be disabled during their working years than suffer an untimely death. For this reason, disability insurance can be just as important as life insurance. We work with you to determine if your employer-provided coverage is sufficient or if you need to purchase more.

  • Umbrella Policy: For high-net-worth individuals and families, no financial plan for asset protection is complete if you could lose your resources through a lawsuit. We can help you find the right umbrella policy to protect your resources.

Timberchase Financial Can Help You Determine the Right Insurance for You

We act as your advocate, working closely with outside insurance agents to help you receive the coverage you need at the best possible price. 

Our approach to insurance and asset protection is transparent and focused solely on helping you achieve your financial goals.

We believe real wealth management is a complete approach to addressing your entire financial life, defined as the sum of investment consulting, advanced planning, and relationship management. If you would like to start a conversation about how our CERTIFIED FINANCIAL PLANNER™ professionals may be able to help with your financial plan, please contact us.

Further Reading