The Best Insurance Advisor Should ...
Life Insurance is an important part of every financial plan. Your Life Insurance Advisor can help you whether you choose to buy term insurance, a permanent policy .. or even go without life insurance.
The challenge is that most life insurance is sold on a commission. Your agent is more likely to sell you the life insurance that is best for them, not the best life insurance policy for YOU.
Here’s how my approach as an insurance advisor is different:
— Design Your Life Insurance Around Your Plan – with the help of a CERTIFIED FINANCIAL PLANNER™ professional.
— You Choose – from dozens of great carriers. Don’t get stuck with just one option. Get free quotes with no obligation.
— Simple Application – Most of our carriers have streamlined online application systems.
— Full Disclosure – it is my fiduciary duty to explain how our company gets paid if you buy a policy through us.
Getting started is easy with free life insurance quotes. How much would your life insurance policy cost? Find out.
My Journey As a Life Insurance Advisor
When I first decided to become a financial planner (2002), I got a life insurance license. That way, I could feed my family while I pursued the 2+ years of study required to sit for the CFP® exam.
Once I became a CERTIFIED FINANCIAL PLANNER™ practitioner, I aimed to let my life insurance agent license lapse. Selling life insurance comes with conflicts of interest and disclosure requirements. I wanted to be a “fee-only” financial planner.
The Downside to Using Third Party Agents
Several times over the past 15+ years I’ve referred financial planning clients to other agents for their life insurance. In EVERY instance, the agents attempted (and sometimes succeeded) to sell my clients a policy that was different than the one I prescribed. Why? Doing so usually made them more money. Sometimes, they just didn’t understand the client’s financial plan.
So now I am a “fee-based” financial planner who still maintains his life insurance license. That way I can be sure that the insurance you are buying is a good fit with your financial plan, your resources and your goals & values. Therefore, I DO make a commission on the life insurance I sell. However, I also try very hard to not let that get in the way of helping you find the best life insurance for your needs.
Still Not Sure? Let’s Chat.
Buying Life Insurance is a big decision. There are plenty of options and how those options work can be complicated. Get a professional perspective on your life insurance questions.
Meet - 100% Virtual
PO Box 13237
San Luis Obispo, CA 93406
The Legal Stuff:
ALTUS Wealth Solutions is a Virtual Registered Investment Advisor firm, registered with the State of California and created in late 2007 (proof that market timing is not our specialty – then again, nobody can time the market). ALTUS Wealth Solutions is independent – NOT affiliated with any broker or dealer – and provides financial planning and investment management services for a fee.
John Buerger is the founder, owner, Chief Investment Officer, financial planner … and currently everything else in a one-person Registered Investment Advisor firm. The advantage is you get to work with the person actually making the investment decisions, not a salesperson serving up ideas from someone else who doesn’t even know you. John is a CERTIFIED FINANCIAL PLANNER™ professional with a BA in Economics from Middlebury College and a Masters of Science in Financial Services (MSFS) from the American College in Bryn Mawr, PA.
John adheres to the fiduciary standard of care, makes every attempt to do whatever is in the clients’ best interest and put those interests ahead of his own.