Protecting your plan and your future
INTEGRATED INSURANCE PLANNING
Aligning coverage with your overall financial goals
At Great Plans Capital Management, our insurance solutions are designed to work as part of your larger financial plan. Through our partner firm, we offer life, disability, and annuity options that help manage risk and provide financial stability for you and your family. Our fiduciary approach ensures every recommendation fits your needs and long-term goals rather than focusing on product sales.
WHAT OUR INSURANCE PLANNING COVERS
Coordinated protection for every stage of life
Insurance should never stand alone—it’s most effective when it supports your full financial picture. We integrate coverage recommendations into your plan to reduce risk and provide peace of mind.
Life Insurance Planning
We help determine the right type and amount of coverage to protect your family and legacy.
Disability Income Protection
We design plans to help replace income in case of illness or injury, reducing financial stress during unexpected events.
Annuity Options
An annuity may be a good fit for your financial planning and goals. If so, we can recommend different types of annuities to help meet your needs. If you already have an annuity, we can review it to help you get a better understanding of what you have and how it works.
Policy Reviews
We assess existing insurance policies to ensure they are cost-effective and still meeting your objectives.
Integration With Financial Plan
We coordinate insurance with your investment, retirement, and tax strategies for complete alignment.
Business Owner Coverage
We assist small business owners in designing insurance strategies that protect both the company and personal finances.
INSURANCE THAT COMPLIMENTS YOUR PLAN
Coverage as part of a holistic strategy
Insurance is not about selling a product; it’s about protecting the financial plan you’ve built. At Great Plans, every policy recommendation is evaluated in the context of your goals, cash flow, and existing assets. This ensures your coverage serves a purpose and supports the long-term stability of your financial life.
INSURANCE PLANNING FAQs
Common questions about integrating insurance and finance
Insurance helps protect the financial strategies you’ve built against unexpected events. A comprehensive plan addresses not just how to grow wealth, but how to preserve it in case of illness, death, or income loss. Integrating insurance ensures that your investments, retirement plan, and legacy goals remain intact even when life takes an unforeseen turn.
We start by understanding your overall financial picture, including existing coverage, family needs, and long-term goals. From there, we evaluate whether additional coverage is necessary and, if so, which type best fits your situation. Every recommendation is made within the context of your plan, not as a stand-alone product sale, to keep your strategy coordinated and objective.
Yes, we evaluate both options based on your needs. Term insurance can be a cost-effective way to cover temporary obligations like a mortgage or children’s education, while permanent insurance may fit long-term estate or legacy goals. We help you understand the differences and determine which approach supports your specific objectives.
Absolutely. Many clients come to us with policies they purchased years ago and aren’t sure if they still meet their needs. We review your current coverage in the context of your financial plan and identify any gaps, overlaps, or opportunities to adjust. This ensures you’re not overpaying for coverage that no longer fits your situation.
Insurance solutions are provided through our partner firm and may involve commissions, but our process remains client-first. Even in commission-based services, we operate under a fiduciary philosophy to ensure any recommendation serves your needs. Transparency is central to how we integrate insurance into your financial plan.
For business owners, insurance can provide both personal and company protection. This includes key person coverage, disability income replacement, and succession planning strategies. By aligning these policies with your broader financial and business goals, we help create stability for both your company and your family’s future.
START PLANNING YOUR FUTURE TODAY
Serving clients across North Carolina and beyond
Whether you are planning for retirement, building a business, or seeking comprehensive financial guidance, our fiduciary financial advisors are here to help you create a roadmap for lasting confidence. Let’s start a conversation about your goals and build a plan designed for you.