At Rockbridge, we believe that effective insurance planning is a cornerstone of financial security. As a fee-only financial advisory firm based in Syracuse, NY, our insurance planning services provide objective guidance that prioritizes protection without unnecessary costs or coverage.
Our comprehensive insurance analysis begins with a thorough assessment of your risk exposure across multiple dimensions of your financial life. Rather than selling products, we evaluate your existing coverage and identify potential gaps or redundancies in your protection strategy. This objective approach ensures recommendations are based solely on your needs, not commission incentives.
For life insurance planning, we conduct detailed needs analyses that consider your family’s income requirements, debt obligations, education funding, and legacy goals. Our sophisticated modeling helps determine appropriate coverage levels while evaluating the most cost-effective solutions for your specific situation.
Disability insurance planning addresses the often-overlooked risk of income interruption due to illness or injury. We analyze replacement ratios, elimination periods, and benefit structures to ensure your most valuable asset—your earning capacity—is adequately protected throughout your working years.
Long-term care insurance evaluations balance the significant financial risk of extended care needs against premium costs and alternative funding strategies. Our analysis considers family health history, personal preferences for care, and integration with your broader estate and retirement planning.
We also review property and casualty coverage, including homeowners, auto, and umbrella liability policies, to ensure appropriate protection for your assets against potential lawsuits and catastrophic losses.
As a fee-only advisor, our insurance recommendations are never influenced by commissions or product sales. This transparent compensation structure eliminates conflicts of interest and ensures our guidance is solely focused on optimizing your protection strategy. We believe this fiduciary relationship is essential when making decisions about protecting your financial future.
At Rockbridge, we transform complex insurance considerations into clear, actionable strategies that provide both financial security and peace of mind.
