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Insurance accumulates over decades, and it's hard to keep track of the pieces. Maybe you have a term policy from when the kids were small, disability from a job that no longer exists, an umbrella that was right for the old house, or a long-term care policy a friend recommended.
We size each policy to the exposure it's covering: life insurance to the income at risk, disability to the income that has to keep flowing, umbrella to the liability the household carries, and long-term care to the years that may eventually need it. Coverage gets reviewed as obligations shift.
Every policy has a specific job to do. The size of the coverage gets set by what that job requires. We believe over-coverage is premium without purpose, and under-coverage leaves the household exposed.
Recommendations come from how a policy fits the plan, what it covers, and what it costs over time. Our compensation comes from advisory fees only, so the policy that gets recommended is the same policy we'd recommend for ourselves.
Insurance work doesn't happen in a separate silo. Life insurance affects estate liquidity, disability interacts with retirement projections, long-term care touches long-horizon income, and umbrella sets how much of the household's net worth is exposed to liability. The plan reads each policy against everything else.
Coverage that fit five years ago may not fit today. The mortgage is smaller, the kids are out of the house, the business sold, a new property got added. The plan reviews coverage as the household shifts, so the protection stays sized to what's at risk.
Before any policy review, there's a real conversation about what brought you here. Often it's a renewal that came in higher than expected, a broker pushing a new policy, a major life change the current coverage doesn't reflect, or a sense that the policies aren't talking to each other anymore. By the end you'll know whether this fits and what working together involves.
Every policy in force: life, disability, long-term care, umbrella, property, business, vehicle. Every exposure on the other side: income at risk, household liability, dependents, assets, estate liquidity needs. Gaps between the two sides become the work.
Each policy gets sized to the exposure it covers. The work runs on specific numbers: the income that would need replacing, the working years still ahead, the liability exposure under a worst-case scenario, the projected cost of late-life care. Trade-offs surface explicitly: term versus permanent, level versus increasing benefits, group versus individual policies.
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New policies move through application, underwriting, and into force. Existing policies that don't fit get replaced or canceled. Beneficiary designations get updated to match the current plan. The full coverage set gets documented so the household knows what's where.
Insurance gets reviewed as exposures shift. Like with a new mortgage, a child becoming an adult, a property bought or sold, a business changing hands, or a spouse's job changing. Each one resets what's at risk, and the coverage resets with it.
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Insurance work runs longer than the placement. Reviews happen at every life event and on a regular schedule between them. When a claim has to be filed, the same advisor walks through the process. As the household shifts, coverage shifts with it.
Senior advisors carry concentrated client loads so the relationship has room for consistent attention.
Rob works with founders, executives, and families navigating concentrated wealth, business exits, and generational planning. He founded Arrowroot in 2013 and leads the firm from Southern California.
Cassandra works with clients on retirement planning and Medicare strategy, with deep expertise in healthcare cost planning and the tradeoffs that shape later-life decisions. She is a licensed insurance agent with more than 12 years in financial services.
Crystal works with individuals, families, and business owners on financial planning, investment management, and tax strategy. She is a CFP® and IRS Enrolled Agent with over two decades of experience.
Irene oversees operations and regulatory compliance across the firm. She brings more than 22 years of financial services experience across investments, capital markets, operations, management, and sales.
Mark works with families and business owners on financial planning, portfolio management, and tax strategy, with a particular focus on cash flow and long-range projections. He is a CFP® and IRS Enrolled Agent.
Diane works with individuals, families, executives, and retirees on retirement planning, investment strategy, and long-term wealth management. She is an Accredited Investment Fiduciary® with over 30 years of experience.
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Building a business creates a personal wealth situation the business itself won't manage. Concentration in the company, deferred compensation, an eventual exit, and the retirement that follows each carry their own math. Decisions on the company side get coordinated with the personal plan so the two sides move together.
Threads through every investment decision and every estate document. Tax efficiency depends on timing as much as choice. Decisions get made so the math holds up across decades rather than quarters.
Built around the obligations the portfolio has to meet. Holdings fund retirement income, education, gifting, and the unexpected on schedules that match real life. Risk gets calibrated to the work, and tax planning runs through every position.
At the center of cash flow, tax, and investment decisions, this long phase has its own math at every stage. Income, taxes, and sequence get modeled so the timeline holds up under stress. The work continues across every transition retirement contains, since one phase rarely sets the pattern for the next.
Touches every other practice the moment something changes. Estate, tax, and investment positions stay aligned so the structures still work when the time comes. Documents get revisited as the family and the assets shift.
Protects what's been built when something happens. Coverage gets sized to real exposure across business interests, dependents, and estate liquidity. As obligations shift, coverage shifts with them so the protection matches the situation.
Stock from your employer carries three identities at once: a tax position, an investment position, and a concentration risk. Vesting, exercise, sale, and AMT decisions get weighed together rather than separately. Timing of each gets coordinated against the broader picture.
Financial Planning is the practice that integrates the others into one plan. Tax decisions get made with investments in view, estate work gets shaped by the cash flow strategy, equity compensation gets calibrated against the rest of the picture. The plan holds together because one advisor guides it.
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Tell us where you are, where you're headed, and what you're working with. We'll help you get there.
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