What is the right investment and retirement strategy for me?
Do I need Life Insurance, if so how much, and how does it augment my investment strategies ?
What type of Life Insurance should you buy ?
How do medical conditions affect your rates ?
How much income do you need to replace?
Calculating your debts ?
The cost of having a baby?
The list goes on as life changes....
 
These are all great questions  and the foundation for understanding  how much and what kind of financial products may be best for you!

However, keep in mind that this is a "Moving Target" - we mean that in a good way. As you get older and your lifestyle changes, what was today the right product can tomorrow not suit your needs and the financial goals you are trying to achieve . 
 
In general, there are two ends of the spectrum that are really defined by age and financial responsibilities. The thought is, that  as you get older your financial responsibilities tend to decrease or change and the Life Insurance product you have should reflect those changes. As we get older there is more of an emphasis on Retirement and Estate Planning and less allocated to mitigating risk.  

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Although there are exceptions, as a general rule the younger you are, the more you should be leaning towards Term Life Insurance. Term will afford you the biggest bang for your  premium buck and allow you to protect your family , business, etc. While permanent products will last you through your lifetime, the premiums are higher. As we get older the thought process turns more toward "Wealth Preservation" and or "Wealth Transfer".  

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A good strategy to consider is a "Hybrid Strategy. As time goes on the equilibrium between Term, Permanent, and Retirement Products shifts according to your financial trajectory. We can help you curate the right products to keep you and your finances balanced, allowing you to safeguard your family's future and provide for retirement and or wealth transfer.