A Practical Framework for Coordinating Insurance, Estate, and Wealth Planning
As wealth grows more complex, protection strategies often fail to keep pace.
Insurance decisions that once felt sufficient may no longer reflect the scale of your assets, the structure of your estate, or the risks tied to businesses, properties, and lifestyle assets. Too often, coverage is added over time without coordination, creating gaps that only become visible when something goes wrong.
This guide is designed to help high-net-worth families take a more intentional, integrated approach to protection. One that aligns insurance decisions with estate planning and broader wealth strategy.
What You’ll Learn
Inside this practical framework, we explore:
• Where protection gaps most commonly emerge as wealth grows
• How to think differently about insuring primary residences, investment properties, and luxury assets
• Why policy structure and provider quality matter more than many families realize
• Specialized protection considerations for business owners
• How misalignment between insurance and estate planning can create unnecessary friction and risk
• The key questions to ask when reviewing existing coverage or acquiring new assets
This is not about buying more insurance. It is about making sure what you have is working cohesively and intentionally across your entire financial picture.
Who This Is For
This guide is designed for high-net-worth individuals and families who:
• Have accumulated multiple properties, entities, or complex assets
• Own a business or expect a future liquidity event
• Have not reviewed insurance through the lens of estate and wealth planning
• Want clarity, coordination, and confidence, not complexity
Why This Matters
True protection is not defined by the number of policies you own.
It is defined by how well everything works together when it matters most.
A coordinated approach to insurance, estate, and wealth planning reduces uncertainty, minimizes risk, and supports long-term peace of mind for you and your family.
Get the Guide
Download Protecting What You’ve Built to evaluate whether your current protection strategy truly reflects the complexity of your wealth and where thoughtful alignment can make a meaningful difference.
Important Information
The Clifford Group LLC (“The Clifford Group”) is a registered investment advisor. Advisory services are only offered to clients or prospective clients where The Clifford Group and its representatives are properly licensed or exempt from licensure. The Clifford Group and its advisors do not provide legal, accounting, or tax advice. Consult your attorney or tax professional.
For additional information, please visit our website at www.thecliffordgrp.com.