Insurance Planning
Insurance planning evaluates your coverage needs as a coordinated component of your broader financial strategy, not in isolation. At Confluence Financial Partners, our team works to review your insurance coverage alongside your investment plan, estate strategy, and retirement goals, helping support a coordinated financial plan designed to address the potential financial impact of unexpected events.
why insurance planning
Your insurance coverage may deserve a second look
Most families carry insurance, but many may not have evaluated whether their coverage still fits the financial life they have built. As your wealth, family situation, and planning needs evolve, the insurance decisions you made years ago may no longer serve you, and the gaps may not be obvious until they matter most.
What is at stake when coverage falls short
A single uninsured event, a disability, a premature death, a long-term care need, can unravel decades of careful financial planning in months. This is not about worst-case scenarios for their own sake; it’s about recognizing that a comprehensive financial plan includes appropriate protection strategies to help support your family’s financial goals. The right insurance strategy may give you greater confidence that your plan can withstand the unexpected.
How we approach insurance planning
We treat coverage as a planning tool, not a product. We evaluate insurance for its role in your broader financial strategy, not as a standalone purchase. Our guidance is driven by your specific needs and circumstances.
We coordinate insurance across your financial plan, reviewing life insurance, disability, long-term care, and liability coverage alongside your investment, estate, and retirement strategies. And we build in regular reassessment, because we believe your coverage needs change as your wealth, health, and family circumstances evolve.
our process
What working with our team looks like.
Coverage inventory
We start by understanding your current policies, riders, and beneficiary designations.
Needs analysis
We evaluate coverage gaps based on your income, assets, family obligations, and estate plan.
Strategy alignment
We coordinate insurance recommendations with your broader financial and estate planning.
Implementation support
We work alongside insurance providers to help keep policies aligned with the strategy.
Periodic review
We work with you to reassess coverage as your financial life and family circumstances change.
meet the team
Meet our Director of Insurance
Insurance planning at Confluence Financial Partners is led by Rob Linkowski, our Director of Insurance. Rob brings more than 35 years of experience designing life and disability insurance programs for medical professionals, business owners, and families. For high net worth families, insurance can help manage risk and, in some cases, serve as a tool to pass wealth to the next generation. Rob takes a consultative approach, working to design insurance protection suited to each client’s specific needs.
Rob Linkowski
Director of Insurance
Is insurance planning right for you?
You may benefit from working with our team on insurance planning if:
- Your life insurance, disability, or long-term care coverage has not been reviewed in five years or more
- You have experienced a significant life change, marriage, birth, divorce, retirement, since your last coverage review
- You own a business and carry key person or buy-sell insurance that may not reflect your current business value
- You are uncertain whether your beneficiary designations still align with your estate plan
- You want an independent review of your coverage
Request your Consultation
Complete the form below. A member of our team will reach out within one business day to schedule your complimentary 30-minute call.
FAQ
Frequently Asked Questions
What does comprehensive financial planning include?
At Confluence Financial Partners, comprehensive financial planning typically considers your investments, tax strategy, estate plan, and retirement timeline as elements of one coordinated approach. Our team works with you to help keep the various components of your financial life aligned with your stated goals and objectives.
Does a financial advisor handle insurance planning?
Not all advisors include insurance planning in their practice. At Confluence, we evaluate your insurance needs as part of your broader financial strategy, coordinating coverage with your investment, estate, and retirement plans rather than treating it as a separate conversation.
How often should a financial plan be reviewed?
We typically recommend reviewing your financial plan periodically, with additional reviews when notable life events occur. Our team monitors your plan on an ongoing basis and may suggest adjustments between scheduled reviews whenever your circumstances call for them.
Do I need a financial planner if I already have a CPA?
A CPA can provide valuable expertise in tax filing and compliance. A financial planning advisor is structured around a broader perspective, helping coordinate your tax strategy with your investments, estate plan, and retirement goals. At Confluence Financial Partners, our team works to bring tax and planning perspectives together within one unified strategy.
What certifications should a financial planner have?
Look for a team whose certifications match your financial needs. Our advisors hold designations across financial planning, investment management, tax, retirement, and business exit planning, including the Certified Financial Planner (CFP®), Chartered Financial Analyst (CFA), Certified Public Accountant (CPA), Certified Investment Management Analyst (CIMA®), Chartered Financial Consultant (ChFC®), Chartered Retirement Counselor (CRC®), Certified Exit Planning Advisor (CEPA®), and Accredited Asset Management Specialist (AAMS®). That range means your situation is reviewed from multiple disciplines, not a single lens.
Ready to Take the First Step?
Schedule your complimentary consultation today.