Risk management is about imagining the future and planning for all possibilities. It is an essential part of wealth management you can't afford to be without. While it's impossible to know with certainty what life will bring, we seek to lower your risk of loss. We do this by carefully managing your financial health and putting protections into place. Call Tim Geisbauer for a thorough discussion of ways to potentially keep your money more secure and your liabilities in check.
The choices you make now will impact those you love now and far into the future. Risk management is built into the services we provide to our clients, reaching into every applicable area from taxes to insurance to your entire investment approach. We have years of experience helping individuals with many levels of risk tolerance work toward the goals they seek. We would like to help you realize new possibilities without fear.
Risk Management with Portfolio Hedging
What is your comfort level when it comes to investing? You may feel the time is right to embrace a more aggressive approach with some of your assets. Or you may want to populate your portfolio with more conservative vehicles that typically offer steady returns. We can confidently analyze your asset allocation and then suggest a more appropriate mix. Your goals and life situation are like no one else's, and that is the way our risk management service will treat your portfolio choices.
Our investment process is centered on the principle of diversification as a risk management tool. The old expression about putting all your eggs in one basket rings true in today's dynamic market. If you are like most people, you may not necessarily want to stake it all in high-risk investments. We favor a balanced and measured approach designed with the goal of protecting you in bear conditions.
Analyzing Your Insurance Needs
No one can predict what will happen tomorrow. Is your present insurance enough to protect you, your family and your interests? As a wealth management specialist, we can help you choose the types of protection you might need:
Life/property and casualty insurance - Life insurance is a risk management tool that encompasses a wide spectrum of needs, from ensuring your wishes are carried out to avoiding the high cost of probate. Term plans are affordable and offer protection when you are in your prime earning years. Permanent plans cover you for life and enjoy cash value that accumulates tax-deferred savings.
Disability insurance - If you become unable to provide for your family, the right type of insurance can keep your household going, pay for your kids’ education, pay your mortgage and protect your assets.
Long-term care insurance - This can now be combined with life insurance. It ensures your needs are met if you face a critical or long-term condition, and it helps safeguard your loved ones from years of financial uncertainty.
Reduce Your Tax Burden
The decisions you make can impact your taxes on many levels - next April 15; when you retire; and upon your death. A sound risk management plan looks at your unique situation and makes suggestions for deductions, tax credits and investment strategies.
Here's What Is Certain…
When you work with our risk management team, you will never have to wonder about hidden costs. We are an independent financial representative that does not operate on commission. We charge one flat fee that depends on the size of your account and the services you choose. We operate in a refreshingly transparent way. And our team communicates with you in a way that is understandable. We are there when you need us, and make sure you know what is happening to your money through monthly statements, online access, email and telephone.
Risk management is also within your control through ongoing account management and rebalancing. When the market ticks up or down, our proprietary software makes the proper adjustment. In addition, your investments are held at LPL Financial, one of the industry’s leading independent research organizations, with account protection through SIPC and additional securities insurance.
Risk management may seem like an impossibly broad category, but it is really just a prism through which you examine your financial life. It is about protecting you from the fallout of life's uncertainties. By diversifying your investments, managing your tax liabilities and carefully choosing insurance plans, Geisbauer Wealth Management can help you reduce your risks in a meaningful way. Call now.
The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: TX, AZ, CA, FL, ID, IL, NJ, NY, UT