We review your current need and purpose for insurance. If you need additional coverage we help you determine the appropriate policy amount and type, and provide you with proposals from some of the best insurance companies in the marketplace.
If you have existing coverage we review in-force policy documents and analyze premiums, policy benefits, policy provisions, guarantees and other provisions.
We base our findings on the data. Your needs are evaluated against policies you own. We then make recommendations if a change in coverage or type of insurance is warranted.
Our analysis may show that your existing policy is performing as expected or better. If your needs have not changed, you benefit from having peace of mind and our work is done. You should keep your current policy and consider purchasing additional coverage if you need it. Depending on your policy you may be able to stop paying premiums while retaining all or most of the benefits.
If your existing policy is not performing as expected or if your needs have changed - we work with your current insurance company to determine if a premium and/or benefit increase or decrease can help you reach your goal.
If appropriate, we consider alternatives other than your current coverage. We review proposals from various insurance companies along with additional insurance coverage options. We then help you understand and evaluate your options based on the criteria that is most important to you.
John Koshy AIF ®, CRPS®, CLTC®
Symphony Retirement Partners, LLC
(512) 337-8060 | Office
Symphony Retirement Partners, LLC is a registered investment advisor, committed to acting as fiduciaries. We prioritize transparency and our clients' best interests.
With over three decades of experience as an advisor since 1989, I have provided counsel on estate, retirement, and investment planning issues for successful individuals and families.
My streamlined process revolves around understanding your financial needs, concerns, and long-term objectives. I then assist you in creating, evaluating, and executing a tailored solution that specifically caters to your unique circumstances.
Experiences expressed are no guarantee of future performance or success and may not be representative of your experience. This document is meant for general informational purposes and is not intended to provide specific financial, accounting, compliance, tax or legal advice. The mention of a third party firm is not, and should not be construed as a recommendation, endorsement or sponsorship by Symphony Retirement Partners, LLC.