Design With
the End
in Mind.™
When a particular cycle of planning is complete, the client has seen multiple thought-partners coming together as a well- integrated team. Their result is a seamless plan – one that exudes sustainable confidence.
However, we believe post-plan-ning support is equally important. Once the plan is implemented, it actually becomes more important with each passing year. CPAs and attorneys are predisposed to reconcile their completed work against any external impact from their governing disciplines, such as changes to the tax code or legal statutes. Someone must play the same role on the insurance side.
Many aren’t aware that insurance portfolios are living, breathing entities. Changes in the economy and financial markets as well as legal and tax environments can impact a policy’s ability to perform in the manner intended. Likewise, families, businesses, careers and life circumstances are in constant motion.
Our quarterly checkpoints and annual review model actively vet actual market performance against our original projections. We also review clients’ original objectives against their current life, family and business situation. This model provides clients with reinforcement for what they implemented and why, effectively decreasing post-planning doubts or uneasiness.
Importantly, insurance is often a 50- to 60-year promise, inherently touching multiple generations. While many insurance firms will promise to serve a portfolio forever, they don’t have a plan for what forever looks like. At SMB, we live the multi- generational commitment every day. Our second generation of ownership is firmly in place and we are actively building and mentoring our third generation.