Broker Check

No One Can Predict The Future,
But We Can Work Toward Protecting It.


Protection Planning

Risk Management

Risk Management

Risk Management goes beyond just ensuring your assets are strategically allocated, and through our Core Planning Process, we will work to identify any weakness in your coverage that could jeopardize your assets, income or estate plan. Insurance protections are often overlooked by many in the financial planning process. Many people may falsely believe that their benefits from their employers provides sufficient protection. At San Tan Planning and Investments, we feel insurance protection plays a critical role in protecting your hard-earned assets from unforeseen risks.

Life Insurance

Considering one’s own mortality is hardly a light topic and difficult for many to discuss, but do you know how your family would carry on financially if you were to pass away? If the unthinkable happens, you’ll want your family to be protected once you’re gone. Term or Permanent, we can offer professional advice on the life insurance plan designed to meet your family needs, budget, and goals.

Disability Income

Most people understand the need for health insurance, life insurance, homeowners insurance and car insurance. But what if the unexpected happened and you suddenly weren’t able to earn a living because of illness or injury? A sudden interruption of income—due to an extended period of sickness or injury—can have serious financial consequences for many of today’s employees. An individual disability income insurance policy can help supplement your group long term disability benefits and work toward protecting a larger portion of your income. This, in turn, can provide a fundamental layer of security for your financial future.

Long-Term Care Insurance

Long-term care insurance (not to be confused with long-term disability insurance) is intended to cover services that Medicare doesn’t. For most of us, it is unpleasant to envision a time when performing routine tasks may become difficult as the result of injury, illness or aging. Americans are living longer than ever before, and with that extended life expectancy comes an increased need for long-term care. We can help evaluate your situation and determine if purchasing a long-term care insurance policy may be the right move to help you feel confident in your financial future.

The cost and availability of life insurance depend on factors such as age, health, and the type and amount of insurance purchased. Before implementing a strategy involving life insurance, it would be prudent to make sure that you are insurable by having the policy approved. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications.

For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice.

Have a Question?

Thank you!