Risk Management
Let’s help you protect what matters most by finding coverage that fits your life, not just a policy that fills a checkbox. We’ll take a close look at what you already have, where the gaps might be, and what protection makes sense for your goals. Then, we’ll help you shop, apply, and put the right coverage in place—so you can feel confident you’re prepared for the unexpected.
Protection That Adapts
Whether you’re growing wealth, nearing retirement, or protecting what you’ve already earned, we tailor our strategies to your stage of life—so your coverage always fits your needs.
How We Can Help
Life Insurance (Term & Cash Value)
Life insurance helps protect the people and plans that depend on you. We’ll help you find the right balance between cost, coverage, and flexibility—whether your goal is income protection, future planning, or leaving a legacy.
Disability Insurance
Your income powers everything else. We’ll help you evaluate coverage that replaces your income if an illness or injury keeps you from working—so your plan stays on track, even if life takes an unexpected turn.
Long-Term Care Insurance
Planning for care later in life can be complicated. We help you explore your options and build a plan that keeps you prepared without overpaying for protection you might not need
Existing Policy Review
Already have insurance in place? We’ll review it together to make sure your coverage still fits your goals, remains cost-effective, and aligns with the rest of your financial plan.
“Joey and the KFM team took the time to understand my goals and concerns. After just a few conversations, it was clear I wasn’t making the most of my finances. With Joey’s guidance, my financial plan is now aligned with my longterm objectives. The personalized advice and hands on support from the KFM team have been a true game changer.”
D. John, Client Since 2024
*Non compensated client testimonial; may not be representative of all client experiences; no guarantee of future performance or success.
Frequently Asked Questions
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We work with a broad network of highly rated insurance carriers. That means we can compare options and recommend what’s best for you—not what’s tied to a single company.
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We’ll figure that out together. We start by understanding your goals, obligations, and what protection you already have. From there, we help you find the right type and amount of coverage—balancing what’s smart, necessary, and cost-effective.
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Your security is a top priority. We use encrypted client portals, secure document sharing, and industry-leading cybersecurity protocols to keep your personal and financial information safe. You can feel confident knowing your data is protected every step of the way.