Insurance and Risk Management

Your Risk Management Plan

When it comes to insurance, it’s important to understand your options so that you and your family have protection when you need it most. With adequate insurance planning, you'll have confidence that both your family and your legacy are safeguarded.

We believe insurance plays a key role in a well-balanced financial plan. Your Wealth Management Advisor will take the time to understand your family’s financial goals. Then, we’ll evaluate the role that insurance can play in meeting those goals, whether it’s survivor benefits in the event of premature death, income benefits when you reach retirement, income replacement in the case of a disability, benefits to cover long-term care services, or leaving behind a legacy. Our advisors are ready to help you find the right protection for your personal situation.

How have you protected your family in the event of a long-term disability?

Find the right protection

Your advisor will evaluate the role insurance plays in meeting your goals such as:

Survivor benefits in the event of premature death
Income benefits when you reach retirement
Income replacement in the case of a disability
Benefits to cover long-term care services
Leaving behind a legacy

Customized Risk Management Plans for Families

Asset preservation
Income replacement and family protection
Long-term care planning and irrevocable life insurance trusts

Key Questions

How have you protected your family's financial independence if you were to die prematurely?

How have you protected your family in the event of long-term disability?

When is the last time you reviewed your life, disability and long term care policies?

What measures have you taken to evaluate self-insuring long-term care and its impact on your retirement?

Do you plan to handle the possibility that you could become financially responsible for your parents?

How are you planning to efficiently distribute your growing wealth to your heirs while minimizing taxes?

How have you assessed estate liquidity shortfalls?

Disclosures

Every investor's situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. This information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Past performance does not guarantee future results. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Be sure to contact a qualified professional regarding your situation before making any investment or withdrawal decision. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.

FINRA BrokerCheck

Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

Links to external content or websites, if provided, are for informational purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, marketed as Atlantic Union Financial Consultants and are not insured by any bank insurance, the FDIC or any other government agency, are not deposits or obligations of the bank, are not guaranteed by the bank, and are subject to risks, including the possible loss of principal. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Atlantic Union Bank, Atlantic Union Bank Wealth Management, and Atlantic Union Financial Consultants are separately owned and operated and not independently registered as broker-dealers or investment advisers.

Atlantic Union Financial Consultants, LLC is an affiliate of Atlantic Union Bank.

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