Every good sports team practices both offense and defense.  And a well-designed financial plan considers not only where you are, but where you want to be and how to get there.

It is imperative, however, to recognize there are unforeseen circumstances and potential risks along the way. Lawsuits, illnesses, accidents, market downturns and other financial risks are facts of everyday life. And though we'd like to believe that we're safe, misfortune can befall even the most careful person.

What can you do?

First, identify your potential loss exposure, then implement strategies that are designed to help reduce that exposure without compromising your financial planning objectives.  

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