Risk Management and Insurance Strategies

Planning ahead when mountaineering means having the right gear to handle unexpected events like high winds, storms and even tripping on a rock. The best hikers prepare for situations even though they do not always run into them. The same is true for retirement planning. We may face unexpected hardships such as job loss, sickness, injury or premature death while saving for retirement. By equipping ourselves with the right tools, we can help manage unexpected events from devastating your financial plan.

How we help you get there

Personal Planning which may include:

  • Life Insurance
  • Disability Income Insurance
  • Long-Term Care Insurance
  • Annuity Acquisition and Review (Immediate, Fixed, Variable, Indexed)
  • Charitable Gift Planning
  • Estate Planning

Business Planning which may include:

  • Buy/Sell Agreement Review and Financing
  • Key Person Insurance Acquisition and Review
  • Split Dollar/Executive Bonus Planning
  • Deferred Compensation Planning
  • Salary Continuation Planning

Boulay’s Wealth Management Advisors help outfit you with the proper tools, education and insurance strategies for surviving the personal and business storms of life. You cannot predict market conditions, tax legislation, health, personal or professional liability. However, your wealth advisor can help you manage the risks associated with these hardships and properly shelter your retirement plan.

Get a Review of your Existing Insurance Strategies

Fluctuating interest rates, major life events like marriage, children, career advancement, divorce and retirement often require insurance policy adjustments over time to make sure you are not over or under insured. Having a periodic analysis using Boulay’s monitoring and benchmarking tools helps keep your insurance strategies up-to-date and determines if your plan is aligned with your overall financial path.

Contact us today and get a complimentary no obligation insurance strategy review to see if you’re prepared for the unexpected.



Request a free, no obligation R.I.S.K. Analysis to see if you’re able to walk off the mountain safely in retirement.

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New to Investing? Understand these Terms
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Life Expectancy
Long-Term Care Calculator