The Tax Drag Hiding in Your Long-Term Financial Plan
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.
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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.
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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.
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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
What’s on Our Minds
Despite a volatile September marked by Middle East conflict driving oil and diesel prices higher, a Fed rate hike, and rising long-term Treasury yields, the S&P 500 ended nearly flat thanks to strength in mega-cap tech stocks—even as the average stock in major indexes fell about 5%.
Donor-Advised Funds: A Powerful and Flexible Tool for Charitable Giving
A donor-advised fund is a charitable giving account established with a sponsoring organization that allows individuals and families to support charitable causes they care about with tax efficiency. Think of it as a philanthropic savings account where the balance can be invested for growth.
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.
The Tax Drag Hiding in Your Long-Term Financial Plan
You’ve saved diligently. You have an IRA, a 401(k), and maybe an annuity. But there are decisions embedded in common retirement account structures that many people don’t realize until it’s too late.
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.
Frequently Asked Questions About Wealth and Tax Planning for International Entrepreneurs
A growing number of international entrepreneurs are building companies that require a presence in the United States. For these founders, the move brings a distinct set of questions that differ meaningfully from a typical relocating family.
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.
Process Over Outcomes: What Plan Fiduciaries Need to Watch in the Second Half of 2026
Plan sponsors are simultaneously confronting heightened cybersecurity and distribution-fraud risk, SECURE 2.0’s Roth catch-up requirements, and an ERISA litigation environment increasingly focused on process and meaningful benchmarking.
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.
Frequently Asked Questions About Wealth and Tax Planning for International Entrepreneurs
A growing number of international entrepreneurs are building companies that require a presence in the United States. For these founders, the move brings a distinct set of questions that differ meaningfully from a typical relocating family.
