Risk Management:
| John Rukosky of Rukosky & Associates |
We believe there is a critical difference
between our firm and others that
perform only financial planning: while
others will refer you to a tax advisor
after having designed a financial plan
for you, at Rukosky & Associates
Financial Group Inc. you are
consulting with a tax accountant, so
we know your plan will succeed.
between our firm and others that
perform only financial planning: while
others will refer you to a tax advisor
after having designed a financial plan
for you, at Rukosky & Associates
Financial Group Inc. you are
consulting with a tax accountant, so
we know your plan will succeed.
Contact us:
508 Driewood Court
Raleigh, NC 27609
Office: 919.781.9319
Mobile: 919.906.4234
Fax: 919.791.0990
Email: john@rafginc.com
Raleigh, NC 27609
Office: 919.781.9319
Mobile: 919.906.4234
Fax: 919.791.0990
Email: john@rafginc.com
Risk management. What it means is simple. It means: are you
protected? As an individual, you need certain types of protection, as a
business, you need different types, as an investor, others. Knowing what
you have and if it’s the correct type, is the key.
protected? As an individual, you need certain types of protection, as a
business, you need different types, as an investor, others. Knowing what
you have and if it’s the correct type, is the key.
It makes me chuckle when my clients come in to talk about risk
management. In their minds, it means what we’ll be talking about is
insurance, and they all look like they’ve bitten into a lemon. Let’s face it:
we all hate talking about, or buying, insurance. Why? Because if we
don’t use it, we consider it a waste of money. But we can’t just go
without it, because the one time we do, we risk getting wiped out. So,
being smart people, we buy it.
Now, this page is about more than insurance. The thinking is much
broader. If you are in business, for example, the type of business
structure you’ve chosen can open you to risk. Or, maybe you should just
buy an umbrella policy. Or, if you invest, maybe you’ve chosen the
“wrong” investments for your investment temperament or for the size of
your savings. Or, if you are retiring, have you planned out your retirement
and the preservation of your assets?
But, yes, there’s the insurance side too. I find people over-insured a
good portion of the time. Or, I find that they need a flexible policy and
that what they own is entirely inflexible. And, I find that people buy
long-term care policies when they could have bought a life insurance
policy with a long-term care rider…at far less cost. And, if you are one of
the, “I hate insurance because it’s wasted money,” types, maybe you
would feel better knowing that there are “return of premium” policies so
you can get your money back if you want to. We all need insurance, but
the goal is to get the greatest amount at the least cost from a reputable
company, right?
If you want an unbiased review of your risk management strategy, call.
management. In their minds, it means what we’ll be talking about is
insurance, and they all look like they’ve bitten into a lemon. Let’s face it:
we all hate talking about, or buying, insurance. Why? Because if we
don’t use it, we consider it a waste of money. But we can’t just go
without it, because the one time we do, we risk getting wiped out. So,
being smart people, we buy it.
Now, this page is about more than insurance. The thinking is much
broader. If you are in business, for example, the type of business
structure you’ve chosen can open you to risk. Or, maybe you should just
buy an umbrella policy. Or, if you invest, maybe you’ve chosen the
“wrong” investments for your investment temperament or for the size of
your savings. Or, if you are retiring, have you planned out your retirement
and the preservation of your assets?
But, yes, there’s the insurance side too. I find people over-insured a
good portion of the time. Or, I find that they need a flexible policy and
that what they own is entirely inflexible. And, I find that people buy
long-term care policies when they could have bought a life insurance
policy with a long-term care rider…at far less cost. And, if you are one of
the, “I hate insurance because it’s wasted money,” types, maybe you
would feel better knowing that there are “return of premium” policies so
you can get your money back if you want to. We all need insurance, but
the goal is to get the greatest amount at the least cost from a reputable
company, right?
If you want an unbiased review of your risk management strategy, call.
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