Life is unpredictable. In an instant, a lifetime of working and saving can be turned upside down. At HFG, we know that unexpected events could significantly impact the lives of you and your loved ones. Unplanned circumstances not only affect your physical and emotional well-being, but they can also create a challenge to achieving your financial dreams and goals.

Managing life’s risks is a key part of our wealth management process. While financial planning focuses on building your wealth, risk management emphasizes strategies to preserve it. Our trusted advisors ensure that the right insurance strategy is integrated into your overall wealth plan. This means exploring the most cost-effective solutions to address various eventualities, including the death of a loved one, the need for long-term care, or the event of a disability.

Our professionals at HFG have no proprietary products to sell. We simply offer independent, unbiased advice with the goal of serving our clients’ best interests within a comprehensive wealth management plan. When insurance is the right solution, HFG and our affiliated partners have the expertise to implement coverage in the following areas:

• Individual Life Insurance

• Business Life Insurance

• Long-term Disability Insurance

• Long-term Care Insurance

• Group Insurance

• Life Insurance Settlements

• Annuities