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© 2019 by Recker Financial LLC.

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The information on this site is provided “AS IS” and without warranties of any kind either express or implied. To the fullest extent permissible pursuant to applicable laws, Recker Financial LLC (referred to as "Recker Financial") disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability, non-infringement and suitability for a particular purpose. Recker Financial does not warrant that the information will be free from error. None of the information provided on this website is intended as investment, tax, accounting or legal advice,  as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, or other securities or non-securities offering. The information should not be relied upon for purposes of transacting securities or other investments. Your use of the information is at your sole risk. Under no circumstances shall Recker Financial be liable for any direct, indirect, special or consequential damages that result from the use of, or the inability to use, the materials in this site, even if Recker Financial or a Recker Financial authorized representative has been advised of the possibility of such damages. In no event shall Recker Financial LLC have any liability to you for damages, losses and causes of action for accessing this site. Information on this website should not be considered a solicitation to buy, an offer to sell, or a recommendation of any security in any jurisdiction where such offer, solicitation, or recommendation would be unlawful or unauthorized.

Recker Financial LLC (“Recker Financial”) is a registered investment adviser offering advisory services in the State(s) of Michigan and in other jurisdictions where exempted.  Registration does not imply a certain level of skill or training. The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute. Follow-up or individualized responses to consumers in a particular state by Recker Financial in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant an applicable state exemption.

All written content on this site is for information purposes only. Opinions expressed herein are solely those of Recker Financial, unless otherwise specifically cited.  Material presented is believed to be from reliable sources and no representations are made by our firm as to another parties’ informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation.

Insurance Management/Planning in Thumb & Tri Cities

During the insurance management and planning process, we work with you to determine the appropriate amount and type of insurance to meet your goals.  With our advanced tools we can illustrate the impact an insurance policy can have on your financial situation in less than a minute, so you’ll know right away if you have too much or too little coverage.

 

Let’s take a look at the three types of insurance we can help you with.

Life Insurance

Recker Financial does not offer life insurance, and as such we receive no compensation from our insurance recommendations.  This gives clients peace of mind knowing that our recommendations are truly in their best interest.

 

Recker Financial has a relationship with Low Load Life Insurance to help clients implement insurance policies and navigate through the process.  Like Recker Financial, LLIS does not accept insurance commissions, referral fees, or kickbacks. They are appointed with close to 20 companies, so they can definitely help you find a policy that works for you. 

Disability Insurance

Recker Financial will analyze your disability insurance needs.  It’s interesting to note that one in four 20-year-olds will experience a disability for 90 days or more before they turn 67, according to the Social Security Administration.  

 

Having a solid plan in place can protect the family in the event that this happens to you.

Long Term Care

At Recker Financial we will discuss how a long term stay can impact your financial plan. We will do an in-depth analysis and make recommendations as to what is the best solution to address this potential risk.

 

Insurance management is an important component of your overall financial plan and as always we use a holistic approach to determine how these three insurance types will impact your goals