CFP®-led life insurance planning · Houston, Texas

Know your life insurance actually fits your plan.

Elizabeth Kusmider, CFP®, reviews your coverage, your goals and your options, then walks you through a clear recommendation. No pressure, and no obligation to buy.

  • Planning first, product second
  • Options compared across multiple carriers
  • Ongoing review after the policy is in place

Most people put off life insurance decisions for the same three reasons.

Smiling couple sitting on a couch, using a laptop with a credit card in hand.

Not sure what you need.

How much coverage, what type, and how it fits the rest of your plan.

Three diverse business professionals having a focused discussion around a table with documents and glasses of water.

Hard to compare.

Policies are complicated, and many are sold with no one checking on them afterward.

Senior couple sitting at a table, reviewing documents and using a laptop in a cozy living room.

Worried about a sales pitch.

You want advice, not pressure.

A planning call is built to address all three.

Request My Planning Call

Three steps. You stay in control.

1

Tell us a little about your situation.

The form takes about two minutes.

2

Have a planning conversation.

Elizabeth asks about your family, business and goals, and what you already have in place.

3

Get a clear recommendation.

Options side by side, in plain English. You decide if and when to move forward.

Smiling multi-generational family with grandparents, parents, and children sitting together in a cozy living room.

Individuals and families.

Protect the people who depend on you, and make sure coverage through work isn't the whole plan.

Smiling business woman holding a tablet and a man sitting next to her, both at a table in an office setting.

Business owners.

Buy-sell funding, key person coverage, and protecting what you've built.

Elderly woman kissing elderly man on the cheek while holding a red mug.

Long-term care and retirement.

Plan for care costs before they become a family decision made in a hurry.

Elizabeth Kusmider, CFP®

Your planning partner, not a salesperson.

Elizabeth Kusmider is a CFP® professional who helps individuals, families and business owners make life insurance decisions that fit the rest of their financial plan. She also works alongside CPAs, attorneys and wealth managers so your coverage and your advisory team are on the same page.

“Procrastination is the biggest obstacle to effective planning.”Elizabeth Kusmider, CFP®

Frequently asked questions

What happens on the planning call?

A conversation about your goals, your family or business, and any coverage you already have. You leave with a clearer picture, whether or not you move forward.

Do I have to buy anything?

No. The call is about clarity. Any recommendation is yours to accept or decline.

I already have life insurance through work. Should I still talk to someone?

It depends on your situation. Group coverage may not stay with you if you change jobs, is often limited to a multiple of salary, and may not be enough on its own. A review shows where you stand.

Can you work with my wealth manager, attorney, or CPA?

Yes. Elizabeth coordinates with your existing advisory team.

Where do you work with clients?

[ENTER: states where licensed, and whether meetings are virtual, in person in Houston, or both]

Is there a cost for the planning call?

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Start with a conversation.

The goal of the first call is clarity, nothing more.

info@kusmiderconsulting.com · (713) 487-8855