Insurance

In many cases, financial advisors are employed by clients for the sole purpose of managing investments.  But we know that there is so much more to your entire financial life than just the investments. Insurance can play a key role in protecting your downside against unforeseen events and deserves to be a key discussion point in any financial plan.

Lumia Wealth is a fee-only, fiduciary firm, which means that we do not receive commissions from any insurance or investment product that you use.  Too many insurance policies are sold by salespeople who are only looking to capitalize their wallet share, with minimal lip service provided to your actual needs.

As we work with you, we will discuss life, long-term care and disability insurances, and how they might apply to your situation.  If a policy is warranted, we partner with a broker to source 6-10 different insurance companies for the best policies for you.  You don’t have to worry about getting pushed into a product that you don’t need or might not be the best fit for you.