Insurance Planning

To meet the insurance needs of our clients, we offer life insurance, long term care insurance, fixed and variable annuities through our subsidiary CPS Insurance Agency, LLC.

Our life insurance philosophy
We use a detailed approach during our financial planning process to determine the right amount of insurance for your situation. There are many important factors to consider including the need for income replacement, debt coverage and final expenses. It is important to purchase the right amount of insurance and not over or underinsure. We use high quality companies with strong financial strength to assure that they are there for you and your family when help is needed.

Our long term care insurance philosophy
The first step to determining if long term care insurance is appropriate for your situation is your ability to afford it. Once that is determined, we evaluate the level of need for long term care insurance. The decision can not be solely made on financial considerations but often includes personal experience, which can often strongly effect your ultimate decision. Our role is to educate you and guide you through the process considering both the financial and non-financial factors of purchasing long term care insurance.

Fixed & Variable Annuities
When appropriate, we work with our clients to find a fixed or variable annuity to complement their other investments. We look for companies with low cost products that work within your overall investment plan. The financial health of a company is also an important factor for finding the right annuity.