Insurance Planning

Protect What Matters

Insurance Planning for Families & Professionals

We help clients across Westchester County and surrounding areas make smart, informed decisions about insurance. Whether it’s protecting your income, your family or your legacy, we guide you through the options that actually fit your needs—without pressure or product sales.


You won’t get a hard pitch. You’ll get clear advice, grounded in your goals.

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Frequently Asked Questions

  • Do I really need life insurance?

    It depends on your family situation, debt, income & goals. We’ll help you determine what kind—if any—you need, and how much is appropriate.

  • Isn’t the coverage through my employer enough?

    Sometimes yes, but not always. Many policies are limited in duration or amount. We help review what you have & identify any gaps.

  • Can you help me with insurance if I’m already retired?

    Yes. We can review existing policies and help decide what to keep, convert or cancel based on your current stage of life.

  • I’m a teacher—do I need extra disability insurance?

    Possibly. We’ll review what’s offered through your state or district and determine if it’s enough to meet your needs.

A Practical Approach to Insurance Decisions

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Life Insurance Analysis

We evaluate your life insurance needs based on income, family goals, and debt. Whether you’re considering term life, permanent coverage, or reviewing an old policy, we help you figure out how much coverage you need—if any—and what type makes the most sense.

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Disability Insurance Planning

Your ability to earn a living is one of your most valuable assets. We help assess your current disability coverage (especially if you’re a school employee with state or district benefits) and determine whether additional protection is needed to maintain your income if you can't work.

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Long-Term Care Planning

We’ll walk you through the realities of long-term care costs and explore whether insurance, savings, or a combination makes the most sense for you or your aging parents. We also explain how LTC fits into your retirement & estate plan.

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Employer Benefits Review

Many clients assume their employer-provided insurance is enough—but that’s not always the case. We’ll review what’s offered through your district or employer, identify any gaps, and build a plan around what’s already in place.