Protection with Purpose

Insurance isn’t just about products — it’s about creating the right safety nets that are intended to help keep your wealth plan on track through every stage of life. At Ascend, our goal is to integrate insurance as a strategic layer of protection alongside your investments, taxes, and estate planning.

  • Income Protection: Disability insurance to help safeguard your earning power — the foundation of any financial plan.
  • Wealth Transfer & Legacy: Life insurance to help create liquidity for estate taxes, equalize inheritances, or leave a lasting legacy.
  • Business Continuity: Coverage to help protect key employees, fund buy-sell agreements, and ensure succession plans remain intact.
  • Long-Term Care: Hybrid or traditional coverage to help protect assets from the rising costs of care and preserve family wealth.
  • Retirement & Income Security: Annuities as a tool for lifetime income guarantees backed by the issuing insurance company, tax deferral, and balancing risk in retirement distributions.
  • Risk Management Integration: Aligning insurance with your investment strategy, estate plan, and entity structures so protection is evaluated in a coordinated manner rather than in silos.

At Ascend, we design insurance protection with purpose. Every policy is evaluated through the lens of your broader financial plan, helping to ensure guardrails are in place to support your family, your business, and your legacy.

For Tax Advisory – For Business Owners: Coordinating entity structure, retirement plan design, and expense strategies to help reduce both business and personal tax liability, while implementing solutions intended to support the protection of both your company and your family.

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Access to a full range of risk management services designed for affluent families

Our integrated risk management services are structured to help address multifaceted protection considerations through a comprehensive array of services, including:

  • Insurance planning strategies for wealthy individuals
  • Personal liability risk assessment and mitigation
  • Financial protection planning for high-net-worth families
  • Wealth transfer protection considerations
  • And more

Many affluent individuals have substantial assets that require sophisticated protection strategies, which can create unique planning complexities. When you partner with us, we aim to deliver personalized attention to address your family's specific protection needs, while also working toward your broader financial and legacy objectives.

Guidance with protection strategy implementation

For high-net-worth individuals, implementing a comprehensive protection plan represents one of the most critical financial safeguards they can establish. At Ascend Integrated Wealth, we work to help evaluate various risk management approaches to select strategies that align with your objectives. These approaches could include life insurance solutions for estate liquidity, disability income protection, long-term care coverage options, liability umbrella policies, or asset protection structures.

Our team recognizes that transitioning from wealth accumulation to wealth protection involves both financial and personal considerations, and we strive to help design approaches that address both asset security and your family's ongoing financial needs.

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Optimize and strengthen your protection framework

At Ascend Integrated Wealth, our risk management planning for high-net-worth individuals encompasses analyzing potential coverage gaps, considering opportunities to improve policy efficiency, assessing protection adequacy, and incorporating advanced insurance strategies into your overall plan.

We understand that protecting significant wealth involves both quantitative analysis and personal considerations, and we strive to help structure solutions that balance comprehensive coverage with your family's unique circumstances.

Additionally, we can collaborate with insurance specialists and estate professionals to help evaluate your current protection levels and identify opportunities for enhancement. Through a coordinated approach, we aim to align your protection strategies with your wealth preservation goals to better position your family for financial confidence and security. 

Integration of your tax-efficient strategies

For high-net-worth individuals and families, risk management planning may be more complex, as personal assets, business interests, and tax implications are closely intertwined. Factors such as your asset structure, estate size, and transfer plans are essential in determining income taxes, estate taxes, and the effectiveness of preserving wealth for future generations.

Significant wealth often requires the implementation of sophisticated insurance strategies that address both protection needs and tax-efficient wealth transfer goals. Our team works to help identify tax-advantaged approaches for structuring insurance coverage, coordinating charitable planning objectives, and preserving the value you've accumulated for your heirs. We aim to provide guidance on available strategies that align with both your protection priorities and personal wealth preservation objectives.

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