We believe that with a disciplined savings program and the development of an emergency fund, smaller risks can be covered out-of-pocket. However, many risks are too expensive or financial devastating to incur. To help you manage those risks, we help you identify your exposure, such as running out of money in retirement, becoming disabled, needing 24/7 care in later years, and death. We help confirm you have the appropriate strategy in place to minimize those risks. Furthermore, if you are taking on too much risk, determine what actions are prudent to preserve assets yourself and your family.