Insurance & Risk Management Services in Minnesota & Wisconsin

We help individuals and families across Minnesota and western Wisconsin protect what matters most. From income and assets to health and legacy, risk touches every part of your financial life. We take a strategic, planning-first approach to insurance-helping you understand what coverage you need, where you're exposed, and how to protect your plan from life's uncertainties.

A man and a woman are playing a game of jenga on a wooden table.

How We Approach Risk Management

We Start With a Full Coverage Review
Insurance isn't just paperwork-it's protection for the plan you're building. We begin by reviewing your current policies to identify strengths, gaps, and overlaps.


We Focus on Real-World Risks
We look beyond hypotheticals and focus on risks that could impact your financial stability-like illness, injury, premature death, or long-term care needs.


We Coordinate With Your Financial Plan
Your risk strategy needs to support your bigger picture. Whether it's income protection or legacy preservation, we make sure insurance works alongside your investment and estate plans.


We're Product-Agnostic
We're not here to sell insurance. We guide you through your options with transparency, and we only recommend policies when they add real value.

What's Included in Our Insurance & Risk Management Services

01

Life insurance planning & policy reviews

02

Disability income protection strategies

03

Long-term care insurance evaluation

04

Risk assessment for income, assets & family needs

05

Coordination with broader retirement & estate plan

06

Independent advice without product bias

Who We Serve

We serve individuals, couples, and families throughout Red Wing, Lake City, Cannon Falls, and southeastern Minnesota-as well as nearby Wisconsin communities like Prescott, Ellsworth, and River Falls. Many of our clients are in or near retirement and want to ensure they have the right protections in place-without overpaying or over-insuring.

Common Risk Management Questions

Two black speech bubbles, one with a white question mark.

  • Do I need life insurance if my kids are grown?

    It depends on your financial goals. Life insurance can still play a role in legacy planning or offsetting estate taxes, even after your children are financially independent.

  • How much disability coverage do I need?

    We assess your current income, expenses, and savings to recommend a level of protection that fits your lifestyle and responsibilities.

  • Is long-term care insurance worth it?

    It can be. We help you weigh the cost vs. risk and explore other funding options if a policy isn't the right fit for your situation.

  • What if I already have insurance through work?

    Group coverage is a great start, but it often has limitations. We review your benefits to see if additional protection makes sense.

  • Will you help me shop for a policy?

    Yes. If insurance is appropriate, we'll guide you through the decision-making process and connect you with trusted professionals for quotes.

Let's Review Your Insurance Plan

If you're unsure whether your current insurance plan fully supports your goals, let's take a closer look together. We'll help you understand what you have, what you may need, and how to make informed decisions.