Insurance Planning
"Whatever excuses you may have for not buying life insurance now will only sound ridiculous to your widow."
- Woody Allen
Insurance Planning Goals
Manage your wealth with confidence and clarity.
Our structured approach ensures clarity, security, and family confidence. Here’s how we work with you and the benefits of choosing us as your trusted partner:
We begin by reviewing your existing insurance plans, including individual and employer-sponsored policies, to evaluate your exposure to financial risks. This comprehensive analysis ensures your coverage aligns with your current needs and long-term objectives.
We assess your life insurance coverage to ensure it adequately protects your loved ones in the event of a premature passing. We also review old life insurance policies and in-force illustrations to confirm they remain suitable and cost-effective.
We review your exposure to disability during working years and potential long-term care needs, developing or refining insurance plans to safeguard your income and assets. This ensures you’re prepared for unexpected health challenges.
We evaluate your property and casualty insurance coverage, as well as your health insurance or Medicare supplemental plans, to ensure comprehensive protection and cost efficiency.
We consider your legacy goals identified in your estate plan and evaluate tax-free insurance benefits, ensuring alignment with your family’s tax strategy. This approach maximizes financial efficiency and supports your long-term objectives.
For business owners, we review or develop insurance plans to facilitate smooth business transitions. We also explore options for selling or transferring existing life insurance policies to optimize their value.
- Assess Your Current Insurance Coverage
- Evaluate Life Insurance for Premature Death
- Analyze Disability and Long-Term Care Needs
- Review Property, Casualty, and Health Insurance
- Align Insurance with Estate and Tax Plans
- Address Business Transition and Policy Transfers
The Sterling Wealth Management Advantage
Partnering with Kyle Kay, CFP®, AIF®, and Sterling Wealth Management provides you with a trusted advisor dedicated to your financial success. Our disciplined, client-centered approach delivers:
Clarity:
A clear, customized investment plan aligned with your goals.
Confidence:
Assurance that your investment objectives are reflected in your portfolio risk and tax strategy.
Personalized Guidance:
Expert advice from Kyle Kay, CFP®, AIF®, who brings professional experience and a commitment to your financial well-being.
By working with us, you gain a partner who simplifies the complexities of investment planning, empowering you to achieve your financial goals with confidence.