Coordinated Financial Risk Management and Insurance Planning Services

Protecting the life you and your family have worked so hard to build

What Type of Protection Do I Need? How Much is Enough?

An unfortunate truth about life is that it can change in a moment. Having the right insurance coverage and asset protection strategy helps mitigate the financial impact of unforeseen events such as premature death, accidents, lawsuits, and natural disasters. That’s why we incorporate insurance planning and risk management services into your overall financial plan.

Our insurance planning advisors help you understand your current level of risk exposure and offer personalized solutions to protect the vulnerable areas of your financial life.

  • Comprehensive insurance reviews for you, your family, and your business
  • Advanced asset protection strategies and structures
  • Policy selection, coordination, and execution

Insurance is an invaluable tool for protecting your family’s wealth from life’s “what ifs,” now and in the future.

The two worst decisions you can make with insurance are to overbuy or underbuy. That is why we are here."

Jeff Paladini, Partner

Acting in Your Best Interest—Today and Always

Conversations about insurance often involve sensitive topics such as death, disability, accidents, and lawsuits. You need an advisor who understands your unique financial challenges and will provide objective advice. That’s Cerity Partners.

Insurance brokers and agents are subject to the suitability standard. We are held to a higher standard of care. We are fiduciaries, which means our advice is driven solely by your goals and not by commissions.

Simplify the Process and Ease Your Concerns with Our Risk Management and Insurance Planning Services

Affluent individuals and families have unique insurance needs, including estate, business, personal watercraft and aviation, fine art and jewelry, household employees, and threat of extortion, to name a few. Managing and planning these insurance policies with multiple risk assessment agents to ensure you have the proper safeguards can be an overwhelming, time-consuming, and potentially costly process.

Our insurance and risk management advisors have a vast and deep understanding of the insurance industry, which enables them to identify strong financially-rated providers for your personal and business circumstances, and secure some of the most competitive terms and pricing. Beyond insurance, they work with you to put the structures in place to help shield your assets from the risks that come with wealth.

  • Coordinate your business and personal insurance with your employer-provided benefits to avoid any gaps or overlaps in coverage
  • Integrate your insurance policies with your estate plan to make sure they’re in alignment
  • Evaluate how your assets are titled to maximize the protection they’re afforded in the event of a lawsuit or other claim
  • Educate your loved ones, so everyone understands the purpose of the safeguards and the motivation behind them

We don’t just review and give advice; we help you execute, too.

Review. Assess. Protect.

1

Insurance Coverage Reviews

Will your life insurance provide adequate income replacement in the event of a tragedy? What about your homeowner’s policy? Is your business adequately insured? Your estate? We examine your existing personal, business, and estate insurance policies, as well as your work-provided insurance, to make sure you have the right type and level of coverage.

2

Feel More Confident About Your Financial Security through Risk Management

If your business was sued, would its legal structure shield your personal assets? If you were personally sued, would your business be at risk? Our goal is to make sure your entire financial life, personal and professional, is properly protected to weather life’s curveballs. Insurance often doesn’t cover as much as you might think. Our risk management advisors will conduct a thorough review of how your assets are currently titled and recommend ways to better safeguard your property.

3

Insurance Policy Selection and Execution

If you go to a captive insurance carrier directly or work with a broker affiliated with a specific provider, you typically get their rates and coverage. Our team of insurance planning advisors have the flexibility–along with the expertise–to find and recommend carriers that align with your needs and goals. And our support doesn’t end once you select your policy. We facilitate the underwriting process and review your insurance coverage to help ensure it stays in sync with your life.

Explore Our Offerings for Individuals and Families

Joseph Matus

Principal

Economic and Market Outlooks

What’s on Our Minds

Year-over-year consumer price inflation rose to 4.2% in May, primarily due to surging gasoline prices, though a reported US–Iran peace deal may ease energy pressures going forward—even as broader inflation challenges remain for new Fed Chair Kevin Warsh heading into his first FOMC meeting.

Incentive Stock Options

The Post-IPO Lockup Playbook for Equity Holders

If you’re an employee or equity holder of a company undergoing an IPO, your shares may be your single largest financial asset. With several major IPOs on the horizon at companies like SpaceX, OpenAI, and Anthropic, your decisions over the next six to 18 months could alter the course of your after-tax finances for the rest of your life.

Estate Planning

Integrating Opportunity Zone Investments and Estate Planning

As part of the Opportunity Zone program, Qualified Opportunity Funds can provide significant financial and tax benefits. At the same time, owners of these funds must be knowledgeable about the estate-planning aspects of their investment.

John Stanovich

Senior Principal

Retirement

Navigating the J&J Pension Plan

Planning for retirement is a journey, and understanding Johnson & Johnson’s pension plan is a critical step along the way. Your pension plan is more than just a benefit—it’s a foundation for financial security in retirement. 

Adam Sandler

Senior Principal

Individuals and Families

Private Placement Life Insurance

The concept behind PPLI is simple: by investing inside a life insurance policy, you take advantage of the favorable tax treatment granted to life insurance. Learn more.

Incentive Stock Options

The Post-IPO Lockup Playbook for Equity Holders

If you’re an employee or equity holder of a company undergoing an IPO, your shares may be your single largest financial asset. With several major IPOs on the horizon at companies like SpaceX, OpenAI, and Anthropic, your decisions over the next six to 18 months could alter the course of your after-tax finances for the rest of your life.

Family Office

Webinar Recording: Tax Optimization and Thoughtful Wealth Planning for Liquidity Events

A liquidity event—whether from a business sale, IPO, merger, or other transaction—creates a unique opportunity to design plans that minimize tax exposure and shape a lasting legacy. Watch our webinar to learn more.

Ty Parrish

Partner

Corporations

Establishing Sound Retirement Plan Governance

As a retirement plan sponsor, you are responsible for administering the plan and making all material plan decisions. This basic framework helps you conduct overall plan decision-making in an efficient and procedurally due-diligent manner.

Mariella Foley

Partner

Individuals and Families

Splitting Retirement Accounts in Divorce

When going through a divorce, the process of dividing assets can be a frustrating and confusing one. Retirement assets are an important issue in any divorce proceeding, since, after the marital home, they often represent the largest category of marital assets to be divided in a divorce settlement.

Elizabeth Dawson

Partner

Cross-Border Planning

A Personal Finance Guide for US Expats Living in Canada

Canada is an appealing destination for successful Americans: It has a high quality of life, stunning scenery, and a culture that feels familiar yet refreshingly different. But the financial picture that comes with a move to Canada is genuinely complex in ways that catch even sophisticated people off guard.

Select your specialty

Our weekly “What's on Our Minds” provides a comprehensive overview of key market developments, economic data, and the Investment Office’s perspective.

Investing is a long-term commitment to your financial well-being. It’s about growing and safeguarding your wealth. Our disciplined, goal-oriented approach ensures your portfolio remains resilient in the face of market and economic fluctuations.

Our sophisticated estate and wealth transfer strategies help you preserve your legacy while minimizing tax burdens. Every recommendation is tailored to your specific needs, leveraging our extensive knowledge of estate, trust, gift, and tax regulations.

Successfully navigating the financial challenges that come with wealth necessitates planning, relevant advice, and a financial advisor who’s always in your corner. Cerity Partners provides all three.

Safeguard the financial security you and your loved ones have built. We assess your current risk exposure and develop customized strategies designed to protect the most vulnerable areas of your financial life.

We design and implement tax optimization strategies, including the creation of detailed tax projections and the preparation of personal, trust, and business tax returns.

Our family office services free you to focus on what matters most, providing a coordinated team of specialists dedicated to preserving, growing, and protecting your family's prosperity.

Our integrated retirement plan solutions effectively balance the unique perspectives of your HR and benefits teams, plan fiduciaries, senior leaders, and employees, helping all of them achieve their objectives.

Divorce marks the end of marriage but also the start of your new life. We can help you navigate the financial challenges of divorce and embrace the opportunities for building a thriving, secure future.

Just because your professional life is international doesn’t mean your financial life has to be complicated. Cerity Partners has extensive knowledge of U.S. and global tax laws and regulations, and we will work with you to preserve and grow your wealth here and abroad.

To improve your level of financial clarity, take the next step and download our financial worksheets by submitting your name and email address below.

Once you have completed the worksheets or if you have any questions, please call (212) 202-1810 to take the next steps in finding your clarity with one of our advisors.

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