Insurance Planning & Risk Management in Grand Rapids & Byron Center, MI
Protect What You’ve Built
We help individuals, families, and business owners in Grand Rapids, Byron Center, and nearby West Michigan communities make smart insurance decisions that align with their financial goals. Whether it’s life insurance, disability, or long-term care coverage, we walk you through what you need — and what you don’t — to reduce risk and strengthen your financial foundation.
The Role of Insurance in Financial Planning
Insurance isn’t just about protection — it’s about making sure your plan works even if life doesn’t go as expected. Our job is to evaluate your risks, explore your options, and help you make decisions that support your long-term goals.
Here’s what we typically help with:
Life Insurance Planning
Help you determine the right amount and type of coverage — whether that’s term or permanent — based on your family’s needs, income, and
future goals.
Address potential future healthcare expenses and help you plan ahead for the rising cost of care in Michigan.
Disability Insurance Guidance
Evaluate employer-provided and individual policies to make sure your income is protected in case of serious illness or injury.
Assist with buy-sell agreements, key person insurance, and coverage tied to business continuity plans.
Policy Reviews
Assess your existing policies and ensure they still make sense as your life and financial plan evolve.
Insurance Needs Change Over Time
We often work with:
Retirees
looking at
long-term care needs or converting old policies to
support estate plans.
We tailor every recommendation based on your unique goals — not just your age or income level.
Why Local Insight Matters
The cost of care, types of coverage available, and even how insurance interacts with retirement income varies from state to state. We help clients understand what coverage actually costs in Michigan, and what support systems exist here.
We also help people navigate how insurance fits into the bigger picture — like how
life insurance may support an estate plan, or how
long-term care coverage may protect retirement income. Whether you live in Kentwood, Wyoming, Byron Center, or downtown Grand Rapids, we factor in local realities like cost of living and access to care.
Common Questions
How much life insurance do I need?
It depends on your income, debts, future goals, and family situation. We’ll help you run the numbers.
What’s the difference between term and whole life insurance?
Term insurance is often more affordable and covers a specific period. Whole or permanent insurance lasts longer and may build value. We’ll explain the pros and cons based on your needs.
When should I buy long-term care insurance?
The earlier you explore options, the more affordable they tend to be — usually in your 50s or early 60s.
Do I need disability insurance if I have coverage through work?
Maybe — but many group plans don’t fully cover income or last long enough. We’ll review your current benefits and fill any gaps if needed.
Can you help me understand my existing policies?
Yes — we regularly review outside insurance policies and give honest feedback on whether they still make sense.
Let’s Review Your Insurance Plan
Whether you’re starting fresh or rethinking your current policies, we can help you feel confident that your financial plan stands up to life’s what-ifs.