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Insurance & Risk Management

Protecting yourself, your loved ones, your home or your business against unexpected events is a fundamental aspect of wealth planning. Closing the gap on potential risks can be tricky without a comprehensive plan and process that methodically evaluates all potential risk factors. Thatís why risk analysis is an integral part of our ongoing process. We continually identify and analyze all risk factors and make objective and unbiased recommendations to provide you with the peace of mind you seek.

Life Insurance

Life insurance products offer a spectrum of death benefit protection, spousal coverage and cash value accumulation features for a variety of needs. Life insurance is also used as an important estate planning tool, helping to ensure your beneficiaries and heirs are not saddled with an undue estate tax burden. After a careful analysis of your situation and objectives, we can help you obtain the coverage that meets your needs, choosing among insurance programs from many of the nationís leading providers.

Disability Insurance

For many of us, the ability to work and generate income is our most valuable asset. Protecting it is paramount to achieving your short- and long-term financial goals. Disability insurance helps guard your income and lifestyle from unexpected interruptions during your working years. Adequate disability coverage can ease the burden of lost income or wages while you recover from an accident or illness. It helps to prevent the depletion of savings or being forced to sell investments at an inopportune time to raise cash for living expenses.

We work with many of the nationís leading insurance providers to tailor income replacement coverage to your specific needs, adding the features that are most important to you and your family.

Long-Term Care Insurance
When planning for long-term healthcare needs, itís important to keep in mind that:

  • Medicare is not nursing home insurance and does not cover long-term care
  • Guide to long term
  • Private medical insurance or Medicare supplement plans do not cover maintenance care

Long-term care insurance can help manage healthcare costs and reduce the impact of inflation, while ensuring your healthcare needs, and those of loved ones, are covered well into the future. Adequate financial planning now can help prevent a lifetime of assets from falling short when you need them most.

Download our Guide to Long-Term Care Insurance

Dedicated to Our Clients

Wharton Advisory Group was founded to assist individuals and families in every aspect of their financial life. We believe that understanding your current financial situation is critical to making prudent decisions that will impact your financial future. That?s why we take the time to educate our clients along the way, taking the complexity out of financial decision-making and replacing it with clarity and confidence.

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The Value of Independence

Individuals and families seeking to grow and protect their wealth are increasingly turning to independent firms. As independent wealth advisors, Wharton Advisory Group has no ties to a corporate parent, investment banking organization or other entity that may present conflicts of interest for our clients. As a result, we have no proprietary products to sell or corporate agenda to fulfill. We act in your best interest at all times.

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