Advisor and client education
Insurance guidance for decisions that sit inside the financial plan.
These guides are written for fee-only advisors and the clients they refer: plain explanations of how each coverage decision sits inside a financial plan, with no product pitch attached.
Guide library
Common insurance questions that come up inside financial planning.
Life insurance
Coverage design, term length, group coverage gaps, and permanent policy use cases.
Client protection
Life Insurance Guide
How to size coverage to the plan, where term may fit, and when permanent insurance deserves a real conversation.
Underwriting preparation
Life Insurance After a Decline or Postponement
Understand the decision, check the information behind it, and prepare a focused review before applying again.
Underwriting preparation
Treated Sleep Apnea and Life Insurance Underwriting
Prepare sleep studies, prescribed treatment details, and follow-up records for a life insurance review.
Underwriting preparation
Type 2 Diabetes and Life Insurance
Bring diagnosis, dated A1C results, treatment history, and follow-up together for a life insurance review.
Underwriting preparation
Life Insurance After Cancer Treatment
Organize diagnosis, pathology, treatment dates, and current follow-up before discussing life insurance options.
Disability insurance
Income protection basics for clients whose human capital is the plan's largest asset.
Income continuity
Disability Insurance Guide
Own-occupation definitions, elimination periods, riders, group coverage limits, and business-owner applications.
Business-owner preparation
Self-Employed Disability Insurance Guide
Prepare income records, describe actual work duties and separate personal from business needs before a disability comparison.
Proposal comparison
Disability Comparison Worksheet
Organize existing benefits and two written carrier offers, with assumptions and document sources identified.
Long-term care
A careful way to frame care risk, family impact, premium trade-offs, and hybrid policy decisions.
Retirement planning
Long-Term Care Insurance Guide
Traditional LTC, hybrid designs, self-insuring, family caregiving risk, and the questions clients should answer first.
Proposal comparison
Long-Term Care Comparison Worksheet
Compare funding, care benefits, guarantees and remaining values using the same care assumptions.
Home, auto, and umbrella
Household risk reviews for clients whose assets and liability exposure have outgrown default coverage.
Advisor checklists
Repeatable review checklists written for advisors, each with a downloadable one-pager to use in client meetings.
Annual reviews
P&C Audit Checklist
A repeatable pass over homeowners, auto, and umbrella coverage: dwelling limits, UM/UIM, valuables sub-limits, attachment points, and the life events that should trigger a re-check.
High-net-worth clients
High-Net-Worth Umbrella Checklist
Sizing past the round-up rule, sourcing limits above $5 million, and the exclusions that surprise wealthy households.
Advisor and client planning topics
Practical guidance for retirement decisions, business-owner clients, and advisor referrals.
Your advisory firm
RIA E&O and Cyber Insurance
Compare coverage for your advisory firm, preserve prior acts and prepare a new-firm or renewal request.
Business-owner clients
Commercial Insurance Guide
General liability, BOPs, E&O, cyber, workers' comp, key person coverage, and buy-sell considerations.
Referral workflow
How Advisor Referrals Work
A look at the advisor-safe process Aligned Path uses to keep planning context, communication, and implementation aligned.
Available on request
Fixed Annuity Comparison Guide
Compare accumulation and income purposes, guarantees, access to money, costs, and survivor terms.
Educational resources, not personalized advice.
These articles are intended to help advisors and clients understand insurance concepts and prepare for better conversations. They do not replace personalized insurance, tax, legal, or investment advice, and they should be considered alongside a client's full planning context.
When a client situation needs implementation
Bring the coverage question into a cleaner process.
If a guide raises a client-specific question, we can evaluate the coverage need and shop the options while the planning stays with the advisor.