Risk Management

Protecting Your Future and Your Family

An unfortunate truth about life is that it can change in an instant; however, having the right insurance coverage and asset protection strategies in place can help mitigate the financial impact of unforeseen events. Individuals and families of substantial means often have specialized insurance requirements, encompassing estate considerations, business interests, valuable possessions such as personal watercraft, aviation, fine art, and jewelry, among others. Streamlining your policies can be intricate and demanding, both in time and resources.

Beaird Harris’ WealthGuideSM planning process effectively integrates investment management, financial planning, estate planning and risk management considerations. Through our risk management process, our advisors help you understand your current level of risk exposure and offer objective solutions to protect the vulnerable areas of your financial life.


  • Comprehensive Review and Selection: Conduct a thorough insurance evaluation for you, your family, and your business, followed by policy selection and updates, if required.

  • Alignment with Employer Benefits: Synchronize your personal insurance with employer-provided benefits to eliminate any gaps or overlaps.

  • Beneficiary and Estate Coordination: Integrate your insurance policies with your estate goals and streamline beneficiary designations across insurance policies, retirement accounts, and annuities.

  • Strengthen Asset Protection: Analyze and optimize your asset protection strategies to enhance safeguarding, especially in legal situations or claims.

Prioritizing Your Interests

As fiduciary fee-only advisors, our commitment is  aligned with your best interests. Unlike some advisors, we don’t sell insurance, ensuring that our advice is devoid of any potential conflicts of interest. Our sole purpose in reviewing your insurance policies is to provide clear, objective recommendations tailored to your needs. With our guidance, you can be confident that any suggestions to update your policies are driven purely by what’s best for you, rather than any financial gain for us. Your well-being is our top priority, not our bottom line.

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