Insurance and Risk Management Planning That Fits Your Whole Financial Picture
Risk doesn't exist in isolation — and neither should the coverage designed to address it. At Beaulieu & Associates, insurance and risk management planning is woven directly into your comprehensive financial plan, not sold as a standalone product.
Why Insurance Belongs Inside Your Financial Plan
Over time, insurance is often accumulated through separate conversations. Some coverage fits; some may not. We take a holistic view and ask three questions: Do you need it? How much do you need? And what type is right for you? As an independent, fee-based fiduciary, our focus is on making sure your coverage supports your financial plan and your family's long-term security.
Coverage We Coordinate and Evaluate
Fixed Life Insurance
Life insurance serves different purposes at different life stages. For younger families, it replaces income. For higher-net-worth households, it can fund estate equalization, cover estate taxes, or provide liquidity for a business transition. We evaluate your existing coverage, identify gaps, and recommend fixed life solutions that align with your broader estate and legacy planning goals.
Long-Term Care Insurance
The cost of extended care — whether in-home, assisted living, or skilled nursing — is one of the most significant financial risks facing retirees and pre-retirees today. We help clients evaluate traditional long-term care insurance alongside hybrid life and LTC products, weighing the tradeoffs in the context of their full retirement income plan.
Fixed Annuities
For clients who want a reliable income floor in retirement, fixed annuities can play a meaningful role — particularly when Social Security and other guaranteed income sources leave a gap. We evaluate fixed annuity products without the conflict of interest that comes from a commission-based sales model, focusing on whether the structure, terms, and payout design genuinely serve your retirement income needs.
Insurance Review for Existing Policyholders
Many clients come to us carrying policies they haven't reviewed in years. Beneficiary designations may be outdated. Coverage amounts may no longer match their estate or income picture. We conduct a structured review of existing life, LTC, and annuity contracts as part of the financial planning process — identifying what to keep, what to replace, and what to let lapse.
Frequently Asked Questions
What does "discretionary" investment management mean?
Discretionary management means we have the authority to make investment decisions — buying, selling, rebalancing — on your behalf without requiring your approval for each transaction. You set the parameters and goals; we manage within them. This allows us to act quickly when conditions change rather than waiting for a callback.How is Beaulieu & Associates compensated for investment management?
We operate on a fee-based model. Our compensation is not tied to product sales or commissions, which means our recommendations are driven by what serves your plan — not what generates revenue for us.How often will I hear from my advisor about my portfolio?
We conduct regular portfolio reviews and reach out proactively when something warrants your attention. Because we work with a small number of clients, you have direct access, not a call center or a client service queue.Can you work with my existing financial plan?
Yes. We can work alongside your existing financial plan and investment accounts. We'll review what you already have and make sure everything continues to align with your goals.