Cover the risk. Do not over-insure it.

Retirement planning has a risk side: a long life, a long illness, a death that arrives before the plan is finished. Insurance is one way to reduce those risks. It is not automatically the answer.

We help clients understand the options inside annuities, long-term care, and life insurance — and whether a policy is actually necessary. The job is to find the gap, not to fill a quota.

Insurance products are offered by licensed California agents. They are separate from investment advisory services.