Family Office Risk Management
Financial Gravity Enhanced Markets is the insurance solutions service within the Financial Gravity family of companies. It finds and places insurance and annuity contracts for clients of Financial Gravity Family Office Services, working from the plan built by a Family Office Director and their team for a client.
What Enhanced Markets Does for Clients
Some financial risks are too large for a portfolio to diversify away: outliving your money, a sharp market decline just as retirement begins, a death that leaves a family or a business exposed. Insurance transfers those risks to a company built to bear them.
Financial Gravity Enhanced Markets is an independent broker. It is not tied to any one insurance company, so it shops many carriers for each client. Most of the contracts it places are fixed indexed annuities, which protect principal from market losses and can provide income for life.
Long-term care planning
An extended need for health care is one of the most significant risks for retirees. FG Enhanced Markets compares standalone long-term care coverage with life insurance and annuity contracts that carry care benefits, so the cost of care does not fall on the portfolio or the family.
Riders that earn their place
A rider adds a specific benefit to an annuity or insurance contract, such as guaranteed lifetime income, long-term care benefits or an enhanced death benefit. Every rider has a cost. FG Enhanced Markets weighs that cost against the job the rider does in the client’s plan and recommends only the ones that justify it.
How Your Family Office Director Uses Enhanced Markets
Insurance is typically sold one product at a time, by an agent who sees one part of a client’s finances. In a family office, it’s one part of a coordinated plan. A Financial Gravity Family Office Director brings in Enhanced Markets when the client’s situation calls for protection or guaranteed income, and coordinates its work with the other Financial Gravity companies.
Tax Services→
Tax strategy comes first. Each insurance option is evaluated for its effect on the client’s taxes, now and later.
Asset Management→
Protected assets and invested assets are planned together, so each does the job it is best suited for.
Legacy Services→
Life insurance is often the tool that funds an estate or charitable plan.
The Family Office Director sees all of it, and the client has one plan and one organization accountable to them.
Meet the executive team →How Coverage Is Chosen
Starts with the client’s needs
A modern application takes in the client’s goals and circumstances, then searches the market for contracts that fit.
Several options to choose from
The decision tool produces more than one option, and the client makes the choice.
Taxes First, Then Math™
Every option has to pass the same test. Is it cost-effective? Does it reduce risk? Does it improve the client’s after-tax position? If the numbers don’t work, it isn’t recommended.
Insurance and annuity contracts pay a commission to the broker. That is true of every contract from every carrier, so the commission does not favor one option over another.
What Changes for the Client
Choices, with the reasoning shown
The client sees options from across the market and why each one fits.
Income that can’t be outlived
Where appropriate, part of retirement income is guaranteed for life.
Protection from bad timing
Money needed soon is shielded from a market decline.
A health care event does not derail the plan
Funding for care is arranged in advance, so investments are not sold under pressure and the legacy plan stays intact.
Coverage that fits the plan
Each contract has a specific job to do, and the Family Office Director can explain how it fits into the plan.
No sales pressure
If insurance doesn’t improve the client’s position, none is recommended.
A Taxes First, Then Math™ Analysis Is the Right First Step
Taxes First, Then Math™ is a status quo analysis of your current holdings. It examines your costs of products and advice, looks for inefficiencies in asset location or turnover, weighs your diversification across accounts, and computes your maximum downside risk in a bear market. For most clients, this is the first time they will have ever seen this vital information. The Analysis is complimentary.
Start With the Analysis, a Call or a Question
Your Taxes First, Then Math™ Analysis is grounded in our Control the Controllables® philosophy, and can give you valuable insights into your current situation.
If you would rather talk first, please schedule a call. Family Office Directors are located across the country, and also meet remotely. A discovery conversation is complimentary.
If you have any questions, we’re here to help. Please tell us who you are and what you’d like to know, and we’ll get right back to you with the answers.
Request a Taxes First, Then Math™ Analysis
Taxes can materially reduce investment gains over time, but often don’t get the attention they should. The right investment program starts with tax considerations. Wise investors also carefully consider all the costs of managing their money, and they use diversification to solve for a wide range of risks that go far outside the ones in their portfolio.
On top of all that, many investors simply do not know what their maximum downside loss exposure is. Do you? Can you say just how risky your portfolio really is?
It costs nothing to find out if your portfolio is right for you. Get your Taxes First, Then Math™ Analysis with no obligation. After all, a quality second opinion never hurt anyone.
Six Companies, One Coordinated Whole
The FG companiesEvery Family Office Director directs the specialized expertise of the Financial Gravity companies — tax, asset management, risk, legacy, and family office services working together in the client’s best interest.