Risk management is inherent in everything we do.
Because our services are personalized to your needs and goals, we’ll recommend risk management strategies right for you.
Whatever your needs and objectives are, you’ll receive guidance from your team’s combined experience and knowledge across various financial planning areas. Your recommended strategies are always made in your best interest.
What is Risk Management?
Risk management makes sure your wealth is protected as much as possible against unexpected financial losses. A risk management plan ensures you can handle setbacks when they happen. Without risk management, you may fail to reach your goals.
Capstone’s approach to risk management is three-fold:
Insurance coverage analysis and recommendations
Strategic trust utilization
Investment portfolio risk management
It’s also personal. Your Capstone Wealth Management Advisor in Downers Grove, IL starts with your current situation and goals. Your advisor adjusts your plan along the way to account for changes, whether those are in your life or in the world.
Insurance
Not every insurance need is the same. That’s why we evaluate your current coverage and degree of liability risk. After a thorough review of all personal and professional insurance areas, you’ll receive recommendations that integrate with your long-term financial plan.
Your Capstone team will provide the following:
Coverage Analysis
One of our first orders of business when you become a client is to review your insurance coverage. Taking into consideration your individual and family situations, business entities, and tolerance, we’ll address gaps in your coverage.
Property and Casualty Coverage Facilitation and Recommendations
When you own properties (personal and business), you’re potentially liable in case someone gets injured on them. We’ll thoroughly review your situation and recommend the property and casualty insurance coverage that makes the most sense.
Recommendations for Personal Insurance, Including Life, Health, Long-Term Care, and Disability
If you’ve ever tried to navigate the insurance landscape, you know how time-consuming and stressful it can get. Let us handle those details. We’ll discuss your needs and facilitate the process, guiding you every step of the way.
Because we offer a broad range of services you’ll receive a strategy that includes everything you need to be successful. Our entire aim to keep your wealth as safe and secure as possible.
Trusts
Trusts can give you peace of mind in your estate planning. Simply put, they put you in control even after your passing. Trusts give you control of your long-term asset distribution, estate and gift taxes, and asset protection from creditors and lawsuits. Naming a trust as the owner of your investment assets offers numerous benefits. For example, your trust can:
Determine who will (and who will not) receive your assets upon your passing
Protect your assets from any potential creditor claims or lawsuits against your intended beneficiary
Exclude your assets from a possible divorce proceeding of the intended beneficiary
Avoid any excess spending by an intended beneficiary if provisions are incorporated within the trust
Eliminate the possibility these assets are disclosed to the general public upon your passing
Reduce the risk these assets would be misappropriated upon the owner’s or beneficiary’s disability or inability to make decisions for themselves
We’ll discuss your own specific goals, concerns, and family situation to help mitigate or address potential issues related to the future protection of your assets and the possible incorporation of trusts.
Investment Portfolio Risk Management
Managing Portfolio Risk to Promote Successful Investment Outcomes
A key driver to ensure your investments do well is taking properly compensated risks. To ensure your portfolio efficiently builds, protects, and distributes wealth, we are methodical in our approach and committed to risk management. You’ll find we:
Calibrate investment portfolios to planning-based risk analysis
Apply due diligence to every eligible investment
Design and construct broadly diversified investment portfolios
Monitor portfolios on a daily basis
Apply a disciplined rebalancing framework
The Capstone approach is customized for your personal situation. We look at your big picture, and apply risk management strategies, keeping you informed and comfortable throughout your wealth management experience.
Get Started With Risk Management Strategies
Contact us right away in Chicago, IL, Downers Grove, IL or from anywhere across the country to get started.
