The proper management and care of risk is not always related to the investments. There are matters of addressing risk that will utilize insurance companies and policies in seeking to protect you. There are risks to your property and automobiles where using insurance is commonplace. Most people will use insurance for their healthcare. However, using insurance to provide protection in the event of a disability, long-term illness, pension based income, or even insuring a set rate of return may be a practical strategy. We are professionals and understand how, where, and if using insurance as part of your financial planning needs makes sense.