Protection With Perspective
Risk isn’t just about avoiding loss. It’s about protecting the legacy you’re building, the priorities that matter most, and the long-term plan designed to support them.
At Allworth, insurance needs are approached as risk oversight, helping to ensure critical risks are identified, addressed, and aligned with your overarching financial priorities. This helps preserve stability and optionality while supporting greater flexibility as circumstances evolve.
Planning with Integrated Protection
Effective risk management is more than buying a policy. It requires a deep understanding of how potential exposures can influence investment strategy, income planning, estate plans, and legacy goals.
Our approach to insurance focuses on:
- Assessing material risks across personal, income-related, business, and liability exposures
- Designing coverage that fits your broader wealth strategy, rather than relying on one-size-fits-all solutions
- Preserving family continuity and legacy goals through intentional protection design
- Coordinating with tax, legal, and investment strategies so protection decisions support broader planning objectives
- Adapting as your life, business interests, and assets evolve over time
Rather than managing risk in isolation, your wealth advisor works closely with our in-house insurance specialists to help ensure protection decisions remain aligned with your broader wealth strategy—without adding another relationship for you to manage.
Risk Solutions Aligned with Your Wealth Plan
When risk considerations call for formal structures and coverage, our in-house insurance specialists help evaluate and design solutions based on your goals, priorities, and existing coverage.
Depending on your situation, this can involve guidance around:
Life Insurance & Estate Liquidity
- Evaluating term and permanent life insurance solutions
- Structuring coverage to support estate liquidity and legacy objectives
- Coordinating protection decisions with broader wealth transfer strategies
Long-Term Care & Income Protection
- Assessing long-term care exposure and planning alternatives
- Evaluating disability and income-replacement considerations
- Coordinating protection decisions with retirement and cash-flow planning
Liability & Asset Protection
- Reviewing personal liability exposure and potential coverage gaps
- Assessing umbrella and high-net-worth-specific liability considerations
- Identifying risks that could undermine broader financial priorities
Business Protection & Succession Planning
- Evaluating key-person and business continuity risks
- Assessing buy-sell funding needs where appropriate
- Coordinating protection decisions with broader business and succession planning
When specialized or niche solutions are appropriate, we can also collaborate with trusted external providers as part of a coordinated approach.
Additional fees and eligibility requirements may apply for certain solutions.
Our Integrated Services
With Allworth, you have direct access to a team of in-house financial specialists across investment strategies, tax planning, estate and legacy planning, and risk management. It all works together as part of one, coordinated strategy.
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