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Protection Strategy


Having the right protection in place is an often overlooked portion of an individual's financial plan. We believe that protection is the foundation of a financial plan and should be considered first. Without the proper protection strategies in place, even one event can have a significant impact on your financial situation. 

Below is a list of items that we review with our clients. Some items we can handle like disability and life insurance while other items such as wills/trusts we utilize an attorney. 


Term Life Insurance

Provides an amount of life insurance for a set amount of time. Common time frames are 10, 15, 20 and 30 years. 

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Universal Life Insurance

Universal life provides a death benefit, but will build little or no cash value over the life of the policy. 

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Permanent Life Insurance

Provides life insurance for the rest of your life. Permanent policies can build up cash value over time. 

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Disability Insurance

An individual's income is the driver for everything that they can do financially. A person's income will impact how much they can save and how much they can spend. An illness or an accident can take away a person's ability to earn an income which can have devastating financial consequences. Have the right amount of disability insurance in place can prevent a financial disaster. 


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Automobile/Homeowner's Insurance*

Auto and homeowner's policies contain a variety of coverages based upon the policyholder's needs and wants. Liability for bodily injury and property damage, home contents, medical payments, uninsured motorist, comprehensive, and collision are some of the common coverages offered under an auto insurance policy.


*Not offered by Guardian or its subsidiaries

Umbrella Insurance

A personal umbrella liability insurance policy provides protection in the event that you are sued for accidentally hurting other people or damaging their property. This policy provides coverage for damages claims that you, your dependents, or even your pets may cause.

Medical Insurance*

Medical insurance (health insurance) protects your assets against loss caused by expenses for treatment of sickness and injury. Understanding your policy will help you determine if there are any gaps in coverage. 


*Not offered by Guardian or its subsidiaries

Long Term Care Insurance

If you've ever cared for a loved one, you know how hard this can be on everyone in the family. Having long term care insurance will give the insured more control over their care. They can determine whether or not it makes sense to get care at home or at a facility. 

Wills/Trusts

We work with attorneys to ensure that your families and estates are passed on the way you would like them to be. 

Trusts can also manage assets for minor beneficiaries, provide professional management of funds, and may reduce estate transfer expenses. A trust may be created during your life lifetime, or in your will once it is probated (property placed in a trust while you are living does not pass through probate).

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