Facing our mortality is difficult. Facing the reality and possibility that bad things can happen to good people is also hard. Nevertheless, facing these difficult truths is essential in building a secure financial future for you and your loved ones. The first step is to recognize what financial risks you face and determine whether or not you are prepared to handle those risks.
A successful risk management program includes answering several questions:
What happens if you…
- Become ill or injured?
- Are in a car accident?
- Get laid off from work?
- Become elderly and need care?
- Home or car is burglarized?
- Cannot work for an extended period of time?
- Should die unexpectedly?
- Business partner dies unexpectedly?
To minimize unexpected financial burdens, everyone should develop their own individual Risk Management Plan and confirm they are adequately protected. Risk reduction strategies often involve using various forms of insurance to protect themselves from downside risk.
Insurance: An ingenious modern game of chance in which the player is permitted to enjoy the comfortable conviction that he is beating the man who keeps the table.Ambrose Bierce
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Securities services offered through Gradient Securities, LLC (Arden Hills, MN 866-991-1539). Member FINRA/SIPC. Investment advisory services are offered through Summit Financial Consulting, LLC, a MI registered investment advisor. Gradient Securities, LLC and its representatives do not render tax, legal, or accounting advice. Insurance products and services are offered through Summit Financial Consulting, LLC. Summit Financial Consulting, LLC is not affiliated with Gradient Securities, LLC.