We connect you to personal lines of insurance for homeowners, rental properties, renters, and auto. We also have business insurance available through our affiliated insurance agency as well.
Most people are familiar with or have worked with an insurance agent at some point in their lives. Our affiliate is comprised of professionals who are licensed as both agents and brokers, thereby providing coverage options through several companies as independent broker agents. Having access to multiple insurance sources is beneficial to you allowing for adaptation should coverage needs change. Being brokers as well as agents provides you access to some specialized markets such as manufactured homeowners, earthquake, and flood insurance that are not as widely available. Contact our affiliated insurance agency today to learn more about how he or she can help you buy insurance that provides the coverage you need for protection and the service you need to be confident.
At the Integrated Wealth Management Group, we understand you do everything you can for your loved ones, not because you have to, but because you want to. Risk Management means protecting them, even when you may not be able to. You know the right life insurance policy is an essential part of your family’s financial safety net. Anyone can get a quote online from many different insurance providers however, buying it can be confusing. How much coverage do you need? Should you buy term or whole life insurance? What determines your rate—and how do you know if you’re getting a good price? As independent insurance brokers, we can evaluate the coverage you already have and build around it to make sure you have only the coverage you really need. Whether that coverage is for a specific period of time or lifelong protection, with the right Life Insurance coverage, you can be happy knowing that your loved ones will be able to live out their dreams, no matter what the future holds.
Through our affiliates at the Integrated Wealth Management Group, we offer many different coverages, so you can find the guarantees, flexibility and cash value options to fit your needs. Compare premiums, advantages and disadvantages of term, whole, and universal life insurance policies to figure out what kind of Life Insurance is right for you.
Let us help you manage the potential risks that if left unmanaged, can have a significant impact on the ones you want to protect the most.
You've worked hard to make sure that you have the financial security you want for you and your family. And, you’ve tried to plan for the surprises that life may bring in the future. But even the most well-thought-out plans may not be enough to prepare you for the unexpected costs associated with long-term care.
The phrase "long-term care" refers to the help that people with chronic illnesses, disabilities or other conditions need on a daily basis over an extended period of time. The type of help needed can range from assistance with simple activities (such as bathing, dressing and eating) to skilled care that's provided by nurses, therapists or other professionals.
Employer-based health coverage will not pay for daily, extended care services. Medicare will cover a short stay in a nursing home, or a limited amount of at-home care, but only under very strict conditions. To help cover potential long-term care expenses, some people choose to buy long-term care insurance.
Policies offer many different coverage options. Since you can't predict what your future long-term care needs will be, you may want to buy a policy with flexible options. Depending on the policy options you select, long-term care insurance can help you pay for the care you need, whether you are living at home or in an assisted living facility or nursing home. The insurance might also pay expenses for adult day care, care coordination and other services. Some policies will even help pay costs associated with modifying your home so you can keep living in it safely.
The Affiliates at the Integrated Wealth Management Group can help you evaluate which type of policy and how much coverage would be best for your situation.
While we all would like to have the dream of a nice house with the white picket fence on the quiet tree-lined street raising our 2.3 perfect children . . . sometimes the journey gets a little messy and shows up different than we had dreamed. At the Integrated Wealth Management Group, we understand the complexities of managing a family. If you are working on building a family, our affiliates can help create premarital agreements, assist with child custody, child support modifications, and spousal support modifications. If the journey requires some space or separation we can assist with legal separation, divorce and annulments. When you really need someone on your side, our affiliates can represent you with domestic violence issues, and restraining orders.
As we enter the summer real estate market in Silicon Valley, we are finding some different dynamics from last year. For one, the number of homes that are active (for sale) in a given week has increased to a substantial level not seen in years past. The result is more selections for Buyers to choose […]
Don’t Let Your Adult Children Put Your Retirement At Risk It is the responsibility of parents to take care of their children, mentally, physically, and financially. But at what age is too old to be giving money to your kids? Too often lately, we have seen clients financially support their adult children. Parents say they […]
Without much spring occurring we find ourselves already at the doorstep of summer. With the hotter and dryer months to come, we should be reminded of the northern and southern California fires that devastated so much only a short time ago. For property owners who have not already done so, the time is now to […]