
Independence and Objectivity
Taking an Unbiased Approach to Insurance
We are committed to providing you with exceptional guidance to protect your assets by offering life insurance and risk management solutions specific to your needs. Our independent brokerage structure allows us to take an unbiased view of the solutions available across the entire marketplace to find the appropriate fit for you.
Our Philosophy
Guiding Principles for Your Financial Well-Being

Effective risk management extends beyond relying solely on insurance to mitigate identified risks. It encompasses a comprehensive multi-step process, including:
- Risk identification & measurement
- Impact assessment within the context of an overall plan
- Development and implementation of suitable solutions
- Regular review
Determining an appropriate risk management strategy involves striking an efficient balance between the level of protection and expense. Flexibility is paramount since the risks that are faced today may be either magnified or mitigated tomorrow.
Benefits of Life Insurance & Risk Management
Securing Your Future with Comprehensive Protection and Strategic Planning
Independent Brokerage
Discreet Insurability Check
Customized Funding Design
Comprehensive Solution Comparison
Underwriting and Carrier Partnership
Ongoing Support
Our Process
Tailored Insurance Solutions for Complex Needs
Discover
The first step in the risk management process is to identify and measure potential risk. A significant part of the process is to discuss your background and understand any priority concerns. This allows us to focus on your primary issues, to identify risks that may not have been considered, and to communicate risk into quantifiable terms as compared to your current financial situation. It also allows us to show potential exposure at various points in the future to determine if the risk is increasing or decreasing. Finally, it helps us gain insight into previous strategies that may have been implemented or abandoned.
Design
Once we understand the size and scope of the risks you and your family may be faced with, we can focus on the solutions that are available. We educate our clients on the difference between accepting a risk, mitigating or avoiding the risk, or insuring the risk. We ensure that existing risk management strategies continue to meet your objectives and are considered against any fresh solutions. Strategies are customized to your individual needs with a focus on efficiency and flexibility. Those strategies and their alternatives are discussed in detail so that you have a full understanding as to why one strategy is recommended over another.
Deliver & Dedicate
Finally, we work closely with you and your team of trusted advisors to create and execute an implementation plan. We will coordinate the many moving parts, including coordination with attorneys regarding any necessary legal documents, such as wills and trusts, buy/sell agreements, and gifting and/or sale documents. Tax implications and filings can be discussed with your existing CPA. We will also coordinate and implement the financial instruments necessary to the strategy, including investment accounts or the appropriate insurance product.

Life Insurance Solutions Process
Your Wealth. Your Way.
To help safeguard your wealth and ensure lasting financial security, it is essential to address potential risks. We are committed to providing you with exceptional guidance to protect your assets by offering life insurance and risk management solutions specific to your needs. Our independent brokerage structure allows us to take an unbiased view of the solutions available to find the appropriate fit for you.
Discover
Get to Know Each Other- About You
- About Us
- Agreement to Proceed
- Path Forward
Design
Process- Risk Analysis
- Stategy Assessment
- Execution
Deliver
Finalize & Implement- Delivery Documents Executed
- Funding Secured
- Coverage Bound
Dedicate
- Annual Premium Reminders
- Annual Policy Review
- Coordination of Professionals (CPA, Attorney, P&C)
Our Commitment
Your Path to Financial Success: What to Expect Next
As with any successful planning strategy, it is crucial to periodically review to ensure consistent alignment with overall goals and objectives. Once the plan has been successfully implemented, we will agree upon and set an appropriate review schedule. We review the risk management plan and its documents to account for legislative updates, changes to the tax code, or circumstantial changes unique to your situation. This involves a comprehensive review of the financial instruments utilized in the strategy, including performance monitoring and continued alignment with your goals.
Finally, the review process provides a time to offer education on the strategies implemented and any changes that may be necessary. Once armed with the knowledge and confidence that you are well protected, you can focus on the other important facets of living your life.


Resources for Life Insurance & Risk Management
A Selection of Granite Harbor Resources Focusing on Life Insurance & Risk Management


Understanding Premium Financing: A Strategic Approach to Wealth Building

Benefits of Private Placement Life Insurance (PPLI) for the Ultra-Affluent

Using life insurance to transfer wealth

How Annuities Can Transform Your RMD Strategy

Understanding Life Settlement: Recognizing the market value of your life insurance
Ready to optimize your wealth?
Take the first step towards financial success by scheduling a 30-minute introductory call with us today.