At Carver Capital, we know that building wealth is only part of the story—protecting it is just as important. Our Insurance & Risk Management services are designed to safeguard you, your family, and your business against life’s unexpected events.

As a comprehensive wealth management firm, we adhere to a fiduciary standard and always act in your best interest. While our compensation comes primarily from transparent client fees, in some cases insurance solutions may involve commissions. When that happens, we disclose it clearly—so you can make fully informed decisions with confidence.

A sound financial plan doesn’t just grow wealth—it protects it. Insurance helps you:

• Protect your income in the event of disability or illness.
• Provide for your family with life insurance in case of premature death.
• Cover long-term care needs without depleting retirement assets.
• Safeguard your business against key-person risk, liability, or succession issues.
• Reduce financial uncertainty and bring peace of mind.

We integrate insurance into your overall financial plan, not as a stand-alone product. Our process includes:

• Risk assessment: Identifying the financial risks that could threaten your goals.
• Gap analysis: Reviewing your current insurance coverage for strengths and weaknesses.
• Solution design: Recommending strategies that fit your needs and budget.
• Transparent implementation: If insurance products are appropriate, we’ll explain every detail—including costs and compensation.

• Life Insurance – Term, permanent, and survivorship options to protect your loved ones.
• Disability Insurance – To replace lost income if you are unable to work.
• Long-Term Care Insurance – Helping cover extended care costs while preserving assets.
• Business Insurance – Buy-sell agreements, key-person coverage, and liability protection.
• Umbrella Liability Coverage – Added protection against unexpected claims.

Unlike traditional insurance sales agents, we are fiduciaries first. That means:

• We recommend insurance only when it’s in your best interest.
• You’ll always understand your options, costs, and trade-offs.
• Any commissions associated with insurance products will be disclosed clearly.
• We coordinate coverage with your overall investment and financial strategy.

Insurance is more than a policy—it’s a foundation for financial security. With our trusted guidance, you’ll gain confidence knowing your risks are addressed and your future is protected.