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No financial strategy is complete without protection. No amount of savings, investments, or income replaces what’s lost when an unexpected event threatens your health, family, assets, or ability to earn.
At Garda Insurance, we believe the most powerful wealth strategy begins not with growth, but with security.
True freedom isn’t about taking risks. It’s about knowing you’re secure when life delivers unexpected challenges.
This quick checklist reveals where your plan might be exposing you to unnecessary risk, tax drag, or lost opportunity.
Most people start with growth (401(k)s and investment portfolios) and assume insurance is something to “get to later.” But later often comes too late.
Every year, we meet with clients who’ve built strong incomes and healthy portfolios, but have no protection plan in place. One accident, one lawsuit, one diagnosis and the entire plan becomes vulnerable. Not because they didn’t care. But because no one ever helped them see that certainty has economic value.
Insurance is more than a policy. It’s a shield, a safety value, and a strategic tool that ensures time, space, and dignity. And when it’s done right, it becomes the most important part of your financial infrastructure.
Most people we meet have some insurance, but they don’t feel confident about what it actually covers. Others have bought what was recommended to them years ago, and have never reviewed whether it still fits.
You might be a business owner wondering if your personal and business liabilities are properly separated. Or how your family would manage financially if something happened to you.
You might be in your peak earning years, trying to grow and protect what you’ve built. But you’re unsure whether your coverage is coordinated, or just a collection of policies that don’t talk to each other.
You might be just getting started with raising a young family, buying your first home, building your career. You’re wanting to make the right moves early, but overwhelmed by options and afraid of overspending or overcommitting.
Or you might be approaching retirement, focused on preserving income, protecting your spouse. You want to ensure your family won’t be burdened by health costs or legacy gaps if something happens to you.
Whoever you are, the need is the same: protection that’s clear, comprehensive, and customized to your life.
Protection isn’t just defense—it’s leadership. It’s what wise stewards do for the people who count on them. It’s how you keep moving forward, even when life throws you off course.
When done right, insurance planning isn’t just coverage. It’s clarity. And clarity creates confidence.
“What would you wish you had in place today, if tomorrow came early?”
That’s the question we begin with. Then we build a plan to make sure the answer is already waiting when your family, your business, or your health needs it most.
We don’t push products. We build protection. Every recommendation is grounded in your real risks, your real assets, and your real priorities.
That plan often includes:
Life Insurance
For many, this starts with income replacement. But it goes further. Properly designed, permanent life insurance also creates liquidity in your estate, funds legacy goals, and protects family wealth from taxes or disruptions. In some cases, we’ll introduce private family banking as a way to turn life insurance into a long-term asset and planning tool.
Disability or Income Protection Insurance
Your ability to earn is your greatest asset. Disability coverage ensures your income doesn’t stop just because you do.
Long-Term Care Insurance
Health declines don’t just affect physical well-being. They affect finances and family dynamics. We help you plan now so your future doesn’t put strain on the people you love.
Liability Insurance
One lawsuit or accident shouldn’t put your lifestyle or legacy at risk. We assess your exposure and design layers of protection around your personal and business life.
Property & Casualty Coverage
Homeowners, auto, umbrella policies. We review everything through the lens of coordination, cost-efficiency, and risk management.
We also coordinate with your other professionals including your CPA, estate attorney, and financial planner. This means your coverage isn’t just sufficient, it’s synergized.
When insurance planning is done right, you stop worrying about “what if” and start focusing on “what’s next.”
You know your spouse and children are protected if something unexpected happens.
Value stewardship over status
You know your business and personal assets aren’t exposed to risk.
You know your coverage isn’t fragmented, duplicated, or expiring without your knowledge.
For some, it’s streamlining outdated policies and to save on premiums. For others, it’s identifying critical gaps and closing them before they’re exposed.
But for everyone, it means clarity, control, and confidence.
We’ve also seen what happens when protection is ignored.
Outdated beneficiaries. Policies that lapsed without notice. Long-term care costs that drained retirement accounts. Families forced into reactive decisions because no plan was in place.
We don’t lead with fear. But we won’t ignore reality either. Insurance planning isn’t just smart. It’s loving. Responsible. Strategic. And it’s the one part of your plan that gives the rest room to grow.
We serve people in every stage of life and every level of complexity:
Business owners who need separation between enterprise and estate, and income protection for their families.
Professionals at the peak of their careers who want clean, optimized coordination between protection, investments, and tax strategy.
Young families seeking smart, affordable coverage that protects their future while they’re still building it.
Retirees who want confidence their wealth will last, and protect their spouse, dignity, and legacy.
Wherever you are, we meet you there, with guidance that fits your world.
Insurance planning doesn’t start with a quote. It starts with a conversation about what matters to you, what needs to be protected, and what risks you’re carrying.
We’ll review your current coverage. Identify gaps. Flag duplication. And help you build a protection plan that serves your goals, not just your premium payments.
You won’t just walk away with a policy. You’ll walk away knowing that if the unexpected happens, your family, your business, and your future are already protected.
That’s the kind of confidence you can build on.
*Disclaimer: Financial Advisors do not provide specific tax/legal advice and this information should not be considered as such. You should always consult your tax/legal advisor regarding your own specific tax/legal situation. Separate from the financial plan and our role as a financial planner, we may recommend the purchase of specific investment or insurance products or account. These product recommendations are not part of the financial plan and you are under no obligation to follow them. Life insurance products contain fees, such as mortality and expense charges (which may increase over time), and may contain restrictions, such as surrender periods.