Insurance as a Planning Strategy

Insurance can help protect your family from the financial consequences of challenging life events, and it can still provide one of the most tax-advantaged methods to transfer wealth to heirs when it comes to estate planning. But insurance has come a long way in the last decade. In addition to traditional life insurance term and permanent policies to protect loved ones against unexpected life loss, there are new products and policies designed to help cover other types of risks in a tax-advantaged manner.

New insurance policies, annuities and/or riders can create lifetime income in retirement, provide guaranteed* returns, provide for spousal transfer, cover long-term care expenses, protect against disability, allow tax-free wealth distribution to heirs and much more. We’ll do the homework and see what type of insurance may fit into your financial plan and help you manage risk while potentially achieving other financial objectives.

*Guarantees are provided based on the financial strength of the insurance company providing the policy. Some insurance companies have been in business and paying claims since the turn of the 20th century.


Wealth management firms like Scottsdale Wealth Advisory sometimes recommend annuities as part of a balanced portfolio and possible bond replacement when it comes to investment management and retirement planning services. However, it’s important to know that an annuity is not an investment, it’s an insurance product. Annuities are a contractually guaranteed transfer-of-risk strategy offered by insurance carriers, and as such, a non-correlated asset when it comes to stock market risk.

Please note: A fixed annuity should not be confused with a variable annuity. Variable annuities are securities, sold by prospectus, and you can lose your money because you carry the risk of its performance. A fixed annuity or fixed indexed annuity is not a security, and therefore, your principal and earnings are guaranteed as long as the issuing insurance carrier is able to pay claims.

Product Agnostic

As a completely independent firm, Scottsdale Wealth Advisory has access to nearly every carrier and every kind of insurance, and we compare features and premium prices so that we know we’re making recommendations based on solid numbers. We read the fine print when it comes to policy terms and conditions, and we review the many hundreds of possibilities from the hundreds of carriers that we have access to as an independent financial advisor, analyzing what is most suitable and cost-efficient based on your objectives.

We can help you analyze how much insurance you need, as well as what insurance products might or might not be right for you and your family. We analyze the fine print to find the most suitable policies based on your objectives--for the most economical premium amounts. Because we are an independent financial advisor not working for just one carrier, we can help select from thousands of policies available from dozens of competing, highly-rated insurance companies.

It’s our job to know and understand the intricacies and work to obtain the right types and amounts of coverage for the most cost-efficient premiums. We educate you about the different products and work with you so that you can make the right decisions for yourself.

The same way that a cardiologist will stress test your heart, we will stress test your portfolio, reviewing your existing investments to determine the types and level of financial risks to which you are currently exposed. We will point out areas of concern and offer you our ideas on how to fix those problems.

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Reach Out to Us

Gainey Center II
8501 N. Scottsdale Road, Ste 205
Paradise Valley, AZ 85253

Kierland Commons
7047 E. Greenway Parkway, Ste 250
Scottsdale, AZ 85254

(480) 247-9090
8am – 5pm, Monday – Friday
Weekday Evenings & Saturdays by Request

To learn more about the professional history of our financial advisors, please visit FINRA’s Broker Check. Scottsdale Wealth Advisory is a state registered investment advisor serving Arizona, California, and Texas that provides wealth management services under the fiduciary standard. Our mission is to provide the families and businesses we serve with innovative financial strategies, solutions and planning that result in financial clarity, security and overall financial health. Making strong commitments to our clients and building lifelong relationships are tenets of success at Scottsdale Wealth Advisory. Scottsdale Wealth Advisory provides investors custom-tailored investment strategies to meet short and long-term needs, by anchoring clients’ portfolios with Vanguard Investments, we significantly reduce your costs to help you keep more of your returns. Our goal at Scottsdale Wealth Advisory is to help our clients realize their financial dreams by offering creative solutions through an open and transparent process utilizing both financial and insurance solutions to achieve financial independence. As a fiduciary, we are legally obligated to put our clients’ interests first. We empower you to navigate today’s complex financial world. We customize a plan to fit your individual and family needs, as well as the needs of your small or large business. *Insurance offered through S.A.F.E. Insurance Management, LLC. Securities offered through M.S. Howells & Co. Member FINRA/SIPC. Advisory Services Offered through Scottsdale Wealth Advisory, LLC, a Registered Investment Advisor. M.S. Howells & Co. and Scottsdale Wealth Advisory, LLC are not affiliated. Copyright © 2018 Scottsdale Wealth Advisory, LLC All rights reserved.