Risk Management

Adequate planning now can help prevent a lifetime of assets from falling short when you need them most.

Services GraphicProtecting yourself, your loved ones, your home or your business against unexpected events is a fundamental aspect of wealth planning. Closing the gap on potential risks requires a comprehensive plan and process that seeks to evaluate all potential risk factors. Our affiliation with M Financial GroupTM, gives us access to proprietary products and services from leading insurance carriers that are designed to provide solutions tailored to your specific needs. 

Life Insurance
Life insurance products offer a spectrum of death benefit protection, spousal coverage and cash value accumulation features for a variety of needs. Life insurance is also used as an important estate planning tool, helping to ensure your beneficiaries and heirs are not saddled with an undue estate tax burden. After a careful analysis of your situation and objectives, we can help you obtain the coverage that meets your needs, choosing among insurance programs from many of the nation's leading providers.

Disability Insurance
For many of us, the ability to work and generate income is our most valuable asset. Protecting it is paramount to achieving your short- and long-term financial goals. Disability insurance helps guard your income and lifestyle from unexpected interruptions during your working years. Adequate disability coverage can ease the burden of lost income or wages while you recover from an accident or illness. It can also help to prevent the depletion of savings or being forced to sell investments at an inopportune time to raise cash for living expenses.

Long-Term Care Insurance
Long-term care insurance can help manage healthcare costs and reduce the impact of inflation, while ensuring your healthcare needs, and those of loved ones, are covered well into the future.

For many, Long-term Care can help:

  • Pay for the care you need when you can no longer care for yourself
  • Preserve independence and dignity
  • Allow you to remain in your home while receiving the quality and level of care you require
  • Protect your family's financial future and your legacy

We offer additional solutions for High Net Worth Individuals and Families that may include:

  • Wealth Transfer strategies to minimize taxes
  • Funding to pay Estate Taxes
  • Creative Charitable Planning
  • Legacy Planning


Services provided by Tompkins Insurance Agencies.  Insurance products are not FDIC insured, not Bank guaranteed and may lose value.