An important part of your life’s game-plan is playing defense. Many plans over the years have been derailed because not enough focus was placed on assessing risk exposure. At the same time, having too much insurance in any area can make you “insurance poor”, meaning that the premiums you are paying could be better used to save for your retirement or other goals. Finding the right balance is crucial to a successful plan and shouldn’t be ignored. Your advisor will help to identify your unique financial risks so that you will be prepared in case of a negative life event.