​Risk Management
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Building significant wealth through years of hard work and smart decision-making is a major achievement. But preserving that wealth—and ensuring your family’s long-term security—requires just as much attention. Unexpected events like a sudden illness, disability, lawsuit, or major property loss can quickly threaten everything you’ve built if you’re not prepared.
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At In The Money Retirement Planning, we help successful business owners and Pre-Retirees across New England identify and address personal and business-related financial risks. Our fiduciary approach ensures every recommendation is objective, transparent, and designed to protect your wealth—not sell you products.
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Why Risk Management Is Essential for
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While investment risk often gets the most attention, personal and business-related risks can be just as damaging. We focus on protecting against events that can derail your financial plan:
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The loss of income from disability or premature death
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Large liability claims that exceed basic insurance limits
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Gaps in property and casualty coverage
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The rising cost of long-term care
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Business-related personal exposures, like personal guarantees or unfunded buy-sell agreements
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Our role is to help you anticipate these risks, quantify their potential impact, and put strategies in place to safeguard your personal and business assets.
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Our Fiduciary Approach to Risk Management
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We don’t sell insurance. That means our guidance is completely independent and focused on what’s best for you. Our process includes:
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Objective Risk Assessment – Reviewing your current insurance and asset protection strategies with an unbiased eye.
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Integration With Your Financial Plan – Ensuring your protection strategies align with retirement, tax, and estate planning goals.
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Coordination With Your Team – Working alongside your insurance agents, attorneys, and accountants to implement the right solutions.
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Ongoing Review – Adjusting your protection strategy as your life, business, and wealth evolve.
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Key Areas We Address
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Life Insurance – Ensuring your coverage meets income replacement, debt payoff, estate liquidity, or succession needs.
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Disability Income Protection – Protecting your most valuable asset—your earning power—with coverage that meets your specific income and lifestyle requirements.
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Long-Term Care Planning – Exploring self-funding, traditional LTC insurance, and hybrid policies to guard against rising care costs.
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Liability & Asset Protection – Reviewing umbrella policies, asset titling, and legal protections to shield personal wealth from lawsuits.
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Business-Related Personal Risks – Addressing personal guarantees, buy-sell funding, and key person dependencies that affect both business and personal finances.
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Our 5-Step Risk Management Process
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Discovery – Identify personal and business-related exposures.
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Analysis – Quantify the potential impact and review existing coverage.
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Strategy Development – Recommend targeted, cost-effective solutions.
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Coordination – Work with your professional team to implement strategies.
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Ongoing Review – Keep your protection up to date as circumstances change.
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Protecting What You’ve Built
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Your success has created the wealth and lifestyle you enjoy today. Risk management ensures that success—and your family’s security—aren’t left to chance.
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📞 Schedule a confidential consultation today to review your current protection strategy and ensure your financial foundation is as secure as your ambitions.
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