Protect the income your financial life depends on.

Disability insurance helps protect your income if an illness or injury prevents you from working.

We help professionals and business owners understand the coverage they already have, identify potential gaps, and determine whether additional disability insurance makes sense as part of their broader financial plan.

Smiling professional woman in a gray suit holding a tablet

WHO THIS IS FOR

Disability planning may be worth reviewing if:

Your lifestyle and financial plan depend heavily on your earned income
You have disability insurance through work but are not sure what it actually covers
Your income has increased significantly since you purchased your existing coverage
You are a business owner or self-employed
You work in a specialized profession where your ability to perform your occupation is particularly important
You want to understand your options without being pushed toward a policy

We work best with professionals and business owners who want to protect their income as intentionally as they protect their other assets.

Start With a Planning Call

WHAT WE HELP YOU EVALUATE

Existing Disability Coverage

We review employer-provided and individually owned disability insurance to help you understand what coverage you already have and where gaps may exist.

Income Replacement

We evaluate how much income your coverage could replace and whether benefit limits, taxes, or other policy provisions could reduce what you receive.

Policy Structure

We help you understand important provisions, including:

Definition of disability
Monthly benefit
Elimination period
Benefit period
Residual or partial disability
Future increase options
Cost-of-living benefits

Business Owner Protection

For business owners, disability planning may extend beyond personal income protection to include:

Individual disability income
Business Overhead Expense coverage
Disability buy-out planning

Start With a Planning Call

Employer coverage may not tell the whole story.

Having disability insurance through work is a great start. But understanding the coverage matters.

Employer plans may have benefit limits, tax considerations, definitions of disability, or coverage limitations that affect the amount of income protected. We review the coverage you already have before recommending additional insurance.

Sometimes your existing coverage is enough. If it is, we’ll tell you.

Start With a Planning Call

HOW THE PROCESS WORKS

1. Initial Review

We start by understanding your income, occupation, financial responsibilities, existing coverage, and priorities.

2. Coverage Assessment

We review employer benefits and existing policies to determine how much income is currently protected and where gaps may exist.

3. Strategy Design

If additional coverage makes sense, we compare available options and explain the differences that matter.

4. Implementation and Ongoing Review

We help implement the strategy and review coverage over time as your income, career, or business changes.

There is no obligation to proceed beyond the initial conversation.

Our first call

What it is: 
A focused conversation to understand your situation, answer questions, and outline potential next steps.

What it is not: 
A sales pitch or pressure-driven meeting.

Elizabeth Kusmider, CFP®, in conversation with a client

A man and woman reviewing documents together

What Makes us Different

Planning-first, not product-first. We begin with the income and financial plan you’re protecting, not an insurance product.
Clear explanations without jargon. We help you understand what the policy actually does and where the differences matter.
Independent carrier access. We can evaluate coverage across multiple insurance carriers rather than designing every case around one company’s products.
Ongoing oversight. As income, employment, and financial responsibilities change, disability coverage should be reviewed too.

Our role is to help you make confident, well-informed decisions over time.

Life insurance planning for people who want clarity, structure, and long-term oversight.

Disability Insurance Planning

Protect the income your financial life depends on.

WHO THIS IS FOR