Safeguarding the livelihood that you and your family have tirelessly built.
What Type of Protection Do I Need? How Much is Enough?
Incorporating risk management and insurance planning into your overall financial plan is essential. Having the right insurance coverage and asset protection strategy helps mitigate the financial impact of unforeseen events such as natural disasters, lawsuits, accidents, and premature death. It is an unfortunate truth that life can change in a moment.
Our advisors can help you understand your current level of risk exposure and offer personalized solutions to protect vulnerable areas of your financial life.
Insurance is a priceless resource for safeguarding your family’s assets from life’s uncertainties, both presently and in the long run.
The two worst decisions you can make with insurance are to overbuy or underbuy. That is why we are here.”
Jeff Paladini, Partner
Review. Assess. Protect.
1.
Insurance Coverage Reviews
Do we examine your existing personal and business policies, as well as your work-provided insurance, to ensure that you have the right level and type of coverage? Is your estate adequately insured? What about your homeowner’s policy? Will your life insurance provide adequate income replacement in the event of a tragedy?
2.
Feel More Confident About Your Financial Security
Our advisors will conduct a comprehensive review of how your assets are currently titled and recommend better ways to safeguard your protected property. We understand that insurance often doesn’t cover all the curveballs life throws at us, both personally and professionally. Our goal is to make sure your entire financial life is protected from any potential risks. In the unfortunate event that your business is sued and you are personally liable, our aim is to ensure that your personal assets are shielded by the legal structure of your business.
3.
Policy Selection and Execution
If you choose to work directly or collaborate with a broker associated with a particular provider, when you approach a captive insurance carrier, you usually receive their rates and coverage. With your specific requirements and objectives in mind, we possess the adaptability, as well as the knowledge, to locate and suggest carriers that are in line with your needs. Even after you have chosen your policy, our assistance does not cease. In order to guarantee that your policy remains in harmony with your lifestyle, we aid in the underwriting process and assess your coverage.
Acting in Your Best Interest—Today and Always
If you need an advisor who understands your unique financial challenges and will provide objective advice, Cerity Partners is the partner for you. Discussions about insurance often involve sensitive topics such as lawsuits, accidents, disability, and death.
We are fiduciaries, which means that our advice is driven solely by your goals and not by commissions. We hold ourselves to a higher standard of care when it comes to selecting insurance agents and brokers who are suitable for the subject.
Simplify the Process and Ease Your Concerns with Our Risk Management and Insurance Planning Services
Some examples include property, company, personal water vehicles and aviation, valuable artwork and jewelry, domestic staff, and the risk of blackmail, which are specific insurance requirements for wealthy individuals and families. Making sure that you have the appropriate protections in place can be a daunting, time-consuming, and potentially expensive task, as it involves overseeing and organizing these policies with various agents.
Our advisors possess extensive and profound knowledge of the insurance sector, which allows them to identify financially stable providers who offer favorable terms and pricing to suit your personal and business needs. In addition to insurance, they collaborate with you to establish protective structures that safeguard your assets against the risks associated with wealth.
We not only evaluate and offer guidance, but we also assist in implementation.
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Investment Solutions.
Our investment approach is goal-centric and disciplined, ensuring that your commitment to investing is a way to earn and grow what you’ve earned in the future. It helps position your portfolio to withstand changing economic and market conditions.
Estate & Gift Planning
Our recommendations reflect the expansive knowledge of our unique situation and are tailored to your specific circumstances. Our advanced estate planning and wealth preservation solutions will help you achieve your goals while mitigating tax liabilities.
Financial Planning.
Cerity Partners handles the task of successfully navigating the financial challenges that come with wealth by incorporating strategic planning, pertinent guidance, and an advisor unafraid to decline when you inquire, “am I able to afford this?”
Insurance Strategy & Risk Mitigation.
We offer personalized solutions to help you protect your family, your life, and your financial areas that are vulnerable. We also aim to understand your current level of risk exposure in order to assist you in building a strong foundation for a secure life.
Tax Strategy & Read
We specialize in providing comprehensive tax preparation services for businesses and individuals, which include the creation of detailed tax projections, implementation of tax optimization strategies, and the design of tax planning strategies for trusts.
Family Office.
Can you please assist us in obtaining support at any level? Our family-owned office is here to help you establish full financial management services spanning the entire spectrum.
Business Owner Consultation
We work with privately-held business owners to help them execute transition plans and create successful and seamless exits, providing assistance to other stakeholders and families.
Financial Planning for Marriage
We are here to assist you in creating a comprehensive financial plan that reflects your shared vision, in the unfortunate event that you need to dissolve your marriage. We also provide financial consulting services for divorce.
Cross-Border Financial
Cerity Partners has extensive knowledge of global and U.S. Tax laws and regulations, so we will work with you to grow and preserve your wealth both abroad and here, just because your professional life is spread across different regions of the world doesn’t mean your financial life has to be complicated.
Curious about learning more? Let’s talk.
Receive an introduction to a wealthy management colleague and have a personal conversation where you can ask questions and discuss your current financial situation without any obligation or cost. Feel free to share information about yourself with us.
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