Coordinated 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 into your overall financial plan.

Our 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.

Individuals and Families

Understanding Your Medicare Options

Soon-to-be retirees about to turn 65 have an important choice to make regarding their health insurance. Specifically, do you go with traditional, public-sector Medicare, or…

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

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

Our 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.

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 policies, as well as your work-provided insurance, to make sure you have the right type and level of coverage.

Feel More Confident About Your Financial Security

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 advisors will conduct a thorough review of how your assets are currently titled and recommend ways to better safeguard your property.

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. We 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 coverage to help ensure it stays in sync with your life.

Explore Our Offerings for Individuals and Families

Economic & Market Update

Weekly Investment Perspectives

Inflation has settled back near longer-term averages, with high shelter and services inflation being offset by falling prices for energy and goods.

Estate

Estate Planning Documents Everyone Should Have

The basic message is that most people think estate planning is important but are often confused about how to get it done. So, what are the basic estate planning documents every adult should have?

Financial Planning

Sudden Wealth Planning

Partner Matt Olver shares practical tips for people who experience a sudden financial windfall.

Insurance Planning & Risk Management

When It Comes to LLCs, Pay Attention to Liability Direction

When properly structured, the use of SMLLCs in conjunction with an MMLLC provides important upward and downward liability protection benefits while reducing the number of tax returns that need to be prepared.

Employee Stock Purchase Plans

Should You Consider Exercising ISOs Now?

While tech stocks have had a challenging start to 2022, this environment could present an opportunity for you to take advantage of their incentive equity.

Estate

Trustees: Risk Mitigation and Best Practices (Part 1)

Whether you are acting as an individual trustee or a trustee under a private trust company, understanding the risks and responsibilities is critical to serving as a trustee.

Business Owner Advisory

Is Your Business Sellable?

Many owners run their businesses without an exit plan in mind. Then when the time comes to sell, they find out that the way they’ve been running their company isn’t attractive to prospective buyers or that they will only buy the business at a meaningful discount.

Estate

Expanding Your Estate Planning Toolbox With SLATs

Some married couples are concerned about gifting strategies that involve the loss of control of assets during their lifetime.

Cross-Border Planning

Why Major U.S. Brokerage Firms Are Closing Accounts Owned by Foreign Residents

Many expats and multi-national residents are working with investment firms that are increasingly abandoning this service. We explore why firms are discarding these complex clients, and what people should do next.

Investment Solutions

Investing is a commitment to your future. It's a way to grow and preserve what you've earned. Our disciplined and goal-centric investment approach helps ensure your portfolio is positioned to withstand changing market and economic conditions.

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Estate & Gift Planning

Our advanced estate planning and wealth preservation solutions help you achieve your goals while mitigating tax liabilities. Recommendations are tailored to your unique situation and reflect our expansive knowledge of estate, trust, gift, and tax laws.

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Financial Planning

Successfully navigating the financial challenges that come with wealth involves planning, relevant advice, and an advisor who’s not afraid to say "no" when you ask, “can I afford this?” Cerity Partners does all three.

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Insurance Planning & Risk Management

Protect the life you and your family have worked so hard to build. We help you understand your current level of risk exposure and offer personalized solutions that seek to protect the vulnerable areas of your financial life.

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Tax Planning & Preparation

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

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Family Office

Our family office services span the spectrum from full financial management to helping you establish and coordinate your own family office. Whatever level of support you need, we can help.

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Business Owner Advisory

We work with owners of privately-held businesses to help them create and execute transition plans that provide a seamless and successful exit for themselves, their families and other stakeholders.

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Marital Financial Planning

We’re here to help you create a comprehensive financial plan that reflects your shared vision. In the unfortunate event your marriage dissolves, we also provide divorce financial consulting.

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Cross-Border Financial Planning

Just because your professional life is spread across different regions of the world 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.

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Individuals & Families

Workplace Solutions

Nonprofit Organizations

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

Acting in Your Best Interest—Today and Always

Understanding Your Medicare Options

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

Insurance Coverage Reviews

Feel More Confident About Your Financial Security

Policy Selection and Execution

Weekly Investment Perspectives

Estate Planning Documents Everyone Should Have

Sudden Wealth Planning

When It Comes to LLCs, Pay Attention to Liability Direction

Should You Consider Exercising ISOs Now?

Trustees: Risk Mitigation and Best Practices (Part 1)

Is Your Business Sellable?

Expanding Your Estate Planning Toolbox With SLATs

Why Major U.S. Brokerage Firms Are Closing Accounts Owned by Foreign Residents

Our Concierge Program offers a simple, personalized approach to finding your ideal financial advisor.

Dustin Ribergaard

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Here are some valuable insights to read before your meeting

2024 Gift, Estate, and GST Tax Changes

5 Things to Do in a Down Market

A Guide to Charitable Gifting Options