Planning : Fimognari Financial | Winter Park, FL


Risk Management

Have a question about risk management?

At Fimognari Financial, we believe retirement planning, investment management, and risk management should work hand-in-hand with your tax strategies, and estate planning. That's why we build financial plans to work cohesively, to not only help you build wealth, but protect it as well. We can objectively help you manage the complexity of the insurance industry to help ensure that you get maximum value for your insurance dollars.

Important Conversations

You probably don't sit around talking about policies and coverage terms in your spare time. That's why we've learned to ask the tough questions, when it comes to crystallizing your protection goals. After crystallizing your goals and assessing your current coverage we can deliver a gap analysis as part of your plan. This helps us determine if you have any disconnects between what you have and what you want. We manage risk by stress-testing your plan with a forward-looking cash flow analysis. This can model the effects of a premature death, disability and/or extended health care event on your portfolio assets. This way, you get an objective look at your insurance needs based on your goals.

Your Personal Protection Plan

We evaluate the six major areas of protection as they relate to your personalized financial plan.

  • Life insurance
  • Disability insurance
  • Health insurance
  • Long-term care insurance
  • Property and casualty insurance
  • Liability insurance

Having a trusted advisor that helps you navigate the protection component of your financial plan can provide you with tremendous peace of mind. Plus, you might even save some money and/ or get a better value for your insurance dollars. In the areas that we are not licensed, we will coordinate with you and your existing agent or recommend local insurance professionals. We find that some financial advisors focus solely on investments and expect you to go it alone when it comes to risk management and insurance planning. Planning for contingencies is a critical part of a sound financial plan. Financial advice that does not address protection planning is an incomplete plan and potentially leaves you and your family at risk. At Fimognari Financial, we have the skill to help you navigate this part of the planning process with ease.

Field Underwriting Expertise

Our years of experience, has highlighted the importance of the underwriting process when it comes to securing life, disability and long-term care insurance. Effective underwriting requires collaboration between you, your medical professionals, and our team. As your advocate, we utilize our field underwriting experience and knowledge to help you achieve better outcomes. While this can be the most challenging aspect of implementing coverage, it can also be the most rewarding when we successfully guide you through this process.

Steps to a More Confident

We help you take steps to make sure that your risk management plan is in order. Depending upon your situation and goals, we may help you to:

  • Develop strategies for funding a potential extended health care event
  • Review medical insurance coverage to determine if it is sufficient – especially in light of today's spiraling medical costs
  • Confirm whether or not you have replacement cost coverage for your home
  • Help determine if a personal articles floater would be beneficial
  • Help with organizing and storing valuable documents, photos or videos in your personal safe and secure electronic vault
  • Make certain that your automobile insurance includes underinsured and uninsured motorist coverage
  • Help determine how much life insurance you need and integrate it with your financial goals
  • Help you understand your existing disability coverage
  • Coordinate your estate plan with proper asset ownership and beneficiary designations


All of our services start with a complimentary consult.

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