Insurance Planning

Insurance plans can cover a variety of situations, such as unexpected events like death, disability, long-term care, business succession, and estate liquidity. Working with a competent professional can help ensure a smooth journey through life.

Life Insurance

What happens if you are not here tomorrow? This coverage protects against the loss of a loved one or business partner. There are many different types of products to choose from. The RFS team will work with you to determine your goals and objectives, and help you survey the market to find the appropriate solutions.

Disability Insurance

Can you maintain your current lifestyle if you can’t work unexpectedly due to an illness or injury? There are several types of products like protecting loss of income, meeting ongoing business expenses, funding buy-out agreements, or possibly covering business loans. The RFS team can help you survey the market to find the appropriate solutions.

Long Term Care Insurance

Who will take care of me when I can’t care for myself? Have you properly protected your retirement and assets? Are you missing the most important piece in your retirement planning puzzle? Have you addressed the major financial "exposure" and the emotional impact of chronic long-term care? The RFS team can help you survey the market to find the appropriate solutions.

Property & Casualty Insurance

Property and casualty insurance is extremely important in any financial plan to ensure that you and your assets are protected in the event of a loss. We have strategic alliances with long-standing firms that specialize in residential and commercial coverage. We will be more than happy to make the appropriate introduction to provide a second opinion.