Insurance Planning Services
Be Sure You're Appropriately Covered
Design Your Future with Strategic Insurance Planning
Our insurance planning method is designed to help you create a plan that adequately covers your future needs. Understanding that every individual’s path is unique, we customize our support to reflect your distinct needs, whether you’re establishing a solid financial foundation, approaching the peace of retirement, or adjusting to life after your career.
We thoughtfully design our insurance planning services with a goal of providing the financial security you desire and to help you meet your overall life goals.
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“We have been clients of Jeremy and the Riverbend team for over two years. We continue to be very impressed with the financial planning expertise and customer service provided by Riverbend…”
– John Houck
“We met with Jeremy today for a free consultation. He is awesome! Gave us some great short-term and long-term advice on retirement planning. No sales pitches or pressure to use their services. We really felt like he just wanted to help us. Highly recommend!”
– Jean Hiers
“I highly recommend Jeremy & his team at Riverbend Wealth Management. This team is honest and conduct business built on integrity and a high level of customer service.”
– Daniel Grossi
Enhance Your Financial Plan with Tailored Insurance Strategies
Embark on a journey of financial empowerment with insurance planning designed specifically for you. Our strategies aim to protect your financial health and align your wealth management plan with your most significant life milestones.
Our approach to insurance planning goes beyond simple safeguarding; it’s about constructing a comprehensive support system that can nurture your current ambitions and fortify the foundation of your legacy for generations to come.
Core Values of Riverbend Insurance Planning
Personalization
Every insurance plan we create is tailored to the individual’s unique situation, aiming to provide coverage that aligns with the specific needs and goals of each client.
Comprehensive Protection
Our insurance planning focuses on building a plan that encompasses all aspects of your life, from health and disability to life and long-term care, with the goal that no area is left vulnerable.
Future-Forward Planning
We look beyond the immediate to anticipate future needs and potential risks, aiming to have your insurance coverage evolve with you and your family’s changing circumstances.
Informed Decision-Making
We aim to empower our clients with knowledge and resources is at the heart of what we do. We aim to craft informed asset protection plans by analyzing potential threats, and by implementing strategies that aim to mitigate risks.
Sustainability and Affordability
Balancing cost with coverage, our insurance planning is designed to be financially sustainable over the long term, with policies that aim to provide affordable protection without compromising on quality.
Comprehensive Services for
Strategic Insurance Planning
Life Insurance Analysis
Evaluates your needs to pursue your loved ones are financially protected.
Health Insurance
Helps you choose the right health coverage for you and your family.
Disability Insurance
Aims to protect your income in case of unexpected illness or injury.
Long-Term Care
Helps prepare for the costs of long-term care needs in advance.
Property Insurance
Helps protect your physical assets like homes and cars from unforeseen damage.
Liability Insurance
Helps shield against claims that could threaten your financial well-being.
Business Insurance
Helps to safeguard your business interests and continuity plans.
Education Protection
To help you meet your educational goals, even if the unexpected happens.
Estate Integration
Striving to align insurance policies with estate plans for cohesive protection.
Retirement Insurance
Helps to protect your retirement savings and income streams.
At Riverbend Wealth Management we work with other industry professionals to help you plan for your individual insurance needs, we do not write insurance policies.
Insurance Planning for Diverse Financial Goals
We recognize that every individual faces unique risks and challenges in their financial journey. Our approach to insurance planning involves designing solutions that can help protect you against these specific risks and adapt to the changing dynamics of your life and economic environment. Whether you’re looking to safeguard your income, protect your family’s future, or transition your assets, our knowledge is available to assist you in creating a risk management strategy.
Entrepreneurial Ventures Backed by Strategic Insurance
For business owners, a well-crafted insurance strategy can play a vital role in helping to safeguard your company against potential risks and liabilities. We offer solutions that aim to protect your business’s financial stability and work toward its continuity, while also considering your personal financial security. By identifying and addressing key risk factors, our insurance planning services strive to provide a solid foundation for your business to navigate challenges and uncertainties.
Navigate to Retirement with Prudent Insurance Planning
As you edge closer to retirement, strategic insurance planning may become more important. We devise insurance strategies that help balance protection, readying you for a future marked by both financial security and tranquility.
Insurance Planning for Retirement
We believe retirement should be relished without financial concerns. Our approach concentrates on optimizing protections for your individual situation. Our dream is for our clients to live out the life they have dreamt of and earned.
Why Choose Us
Our experienced advisors offer both vast knowledge and compassion to provide a personalized experience everytime you walk through our doors. This level of attention helps in making sure your distinct ambitions, objectives, and concerns are fully understood and accounted for. We go beyond conventional insurance, engaging in a partnership to carefully develop your financial safeguarding strategy.
Fiduciary
We, along with all investment advisory representatives, are fiduciaries and, as such, we are required to put the interests of our clients ahead of our own.
Fee-Only
We are paid directly by you and do not receive commissions.
Experienced
Our team, led by Jeremy Finger a Certified Financial Planner (CFP®) and Certified Investment Management Analyst (CIMA®). Jeremy Finger has decades of combined experience helping clients achieve their financial goals.
Customization
We believe every person is unique and deserves a tailored plan that matches their specific needs and objectives.
Relationship
We utilize Fidelity as our custodian and have access to some of their resources as part of that relationship.
Let's Build Your Future Together
Let your financial aspirations meet their ally. Engage with Riverbend Wealth Management and discover how our insurance planning services are designed to complement your financial landscape. Together, we’ll open the pathway to prosperity.
Frequently Asked Questions
What is meant by insurance planning?
Insurance planning is the process of analyzing your financial needs and risks, and then finding and managing insurance policies that are designed to help protect against those risks. The goal is that our approach will help prepare you for the unexpected circumstances such as illness, disability, or death.
What is life planning in insurance?
Life planning in insurance refers to the comprehensive process of evaluating your life goals and financial needs throughout various stages of life, and then integrating life insurance products into your overall financial plan. This works towards personal and family goals, such as providing for loved ones, funding education, or estate planning, are supported by appropriate insurance coverage.
What are the 4 main types of life insurance?
The four main types of life insurance are:
- Term Life Insurance: Provides coverage for a specific period, offering a death benefit if the insured dies within the term.
- Whole Life Insurance: Offers lifelong coverage with a death benefit and a cash value component that grows over time.
- Universal Life Insurance: A flexible policy that provides lifelong coverage, with options to adjust premiums and death benefits, and includes a cash value component.
- Variable Life Insurance: Offers permanent coverage with a death benefit and a cash value account that can be invested in various options, potentially increasing the value of the policy.
The information in this material is not intended as tax or legal advice. Riverbend Wealth Management and Stratos Wealth Advisors do not provide tax advice. Please consult legal or tax professionals for specific information regarding your individual situation.
Fidelity Investments® (“Fidelity”) is an independent company, unaffiliated with Riverbend Wealth Management. There is no form of legal partnership, agency affiliation, or similar relationship between your financial advisor and Fidelity, nor is such a relationship created or implied by the information herein. Fidelity has not been involved with the preparation of the content supplied by your advisor and does not guarantee or assume any responsibility for its content. Fidelity Investments is a registered trademark of FMR LLC. Fidelity provides clearing, custody, or other brokerage services through National Financial Services LLC or Fidelity Brokerage Services LLC, Members NYSE, and SIPC. 1148810.1.0
