Individuals and Families
Insurance Planning & Risk Management

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.

Individuals and Families

The Year-End Financial Planning Checklist

November 12, 2025 - The end of the year is the perfect time to review your financial plan with your advisor. The following checklist will help you take stock…

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.

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.

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.

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

Economic and Market Outlooks

What’s on Our Minds

While energy markets have reacted to Operation Epic Fury with an immediate spike in oil and gas prices, historical precedent—such as the 2022 Russia-Ukraine conflict—suggests that sustained price increases are far from guaranteed, given the unpredictable nature of commodity markets and the complex interplay of supply and demand.

Individuals and Families

What the Iran Conflict Means for Your Portfolio

The recent events in Iran introduced considerable uncertainty to the trajectory for global economies and financial markets. As is typical with geopolitical issues in the Middle East, the primary conduit for global economic impact is through energy markets.

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.

Individuals and Families

Retirement Planning for Single Women: How to Prepare

Women already face gender-specific financial planning challenges. These include a longer life expectancy and a pay gap that results in lower salaries and lower lifetime savings unless they save a greater percentage of their salary.

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.

Tax Strategies

Webinar Recording: Q1 Tax Planning Strategies for Executives

Join Principal Joshua Norman as he discusses strategies to address Q1 tax gaps from bonuses and equity vesting.

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.

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.

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.

Cross-Border Planning

Moving to the UK: The Foreign Income and Gains Regime for US Expats and Returning UK Citizens

In April 2025, the UK replaced the long-standing remittance basis regime with a new foreign income and gains (FIG) regime. The shift moves the UK toward a residence-based system rather than one anchored in domicile, and it reshapes how foreign income, foreign gains, and offshore planning are treated for new UK residents.

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

Acting in Your Best Interest—Today and Always

The Year-End Financial Planning Checklist

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 through Risk Management

Insurance Policy Selection and Execution

What’s on Our Minds

What the Iran Conflict Means for Your Portfolio

Integrating Opportunity Zone Investments and Estate Planning

Retirement Planning for Single Women: How to Prepare

Private Placement Life Insurance

Webinar Recording: Q1 Tax Planning Strategies for Executives

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

Establishing Sound Retirement Plan Governance

Splitting Retirement Accounts in Divorce

Moving to the UK: The Foreign Income and Gains Regime for US Expats and Returning UK Citizens

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

Dustin Ribergaard

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Thank you for your interest

Here are some valuable insights to read before your meeting

What the Iran Conflict Means for Your Portfolio

Notable Liquidity Trends in the Pre-IPO Market

Integrating Opportunity Zone Investments and Estate Planning