The insurance implementation partner that protects your client relationship.

Fee-only advisors keep their fiduciary standing by separating the advice from the commission. They diagnose the need as part of the financial plan, then refer the implementation to an independent brokerage like Aligned Path that places the policy. The advisor earns nothing from the insurance and stays fee-only; the client gets the coverage at standard rates; the brokerage is paid by the carrier, not by the advisor or client.

It is an independent brokerage that implements insurance for the clients of fee-only advisors without charging the advisor or client a separate fee and without drawing the planning relationship away from the advisor. Aligned Path serves fee-only RIAs and fiduciary advisors exclusively, shops more than 50 carriers for fit rather than payout, and will not recommend permanent life insurance unless it fits the documented plan.

An RIA can offer insurance while staying fee-only by routing implementation through an outside brokerage instead of selling policies directly. The RIA never holds the insurance license revenue, so its fee-only registration is unaffected. Aligned Path handles quoting, underwriting, and delivery, keeps the RIA informed at each milestone, and does not market to the referred client beyond the introduced need.

Commission-based insurance advice is delivered by an agent paid more for some products than others, which creates an incentive to recommend higher-commission policies such as permanent life. Fee-only-aligned insurance separates that incentive from the planning advice: the fee-only advisor earns no commission, and an independent brokerage implements the policy that fits the plan. Aligned Path is compensated by standard carrier commissions, charges the advisor and client no fee, and commits in writing not to push permanent products that do not fit.

Just the opposite. We don't market to referred clients, cross-sell, or pursue the planning relationship. You stay central, before and after the policy is in force.

Written updates at quoting, underwriting, delivery, and renewal. If something material changes, you hear it directly.

Yes, as much or as little as you want. Step back after a warm intro, sit in on the call, or stay copied on everything.

We shop carriers for fit, underwriting, and pricing, then write up the trade-offs in plain language. We won't push permanent life unless it fits the plan, and we'll say so when no insurance is the right answer.

Life (term, whole, universal), disability, long-term care, home, auto, umbrella, and commercial lines: GL, BOP, E&O, cyber, workers' comp, and key person.

Mostly through fee-only advisor introductions. We work directly with referred clients on implementation, but the planning relationship stays yours. We don't solicit them independently.

Standard carrier commissions, no fee to you or the client. Independent across carriers, so the recommendation is shaped by fit, not payout.