Insurance and Risk Management


Risk Management

We provide our clients access to:


An independent expert team who promises to put your interests ahead of their own


A financial-planning approach to risk management, provided by a fiduciary


Access to a large array of insurance companies and products to choose from


Living in today’s world is sometimes fraught with risks. Insurance is a prudent and necessary way to transfer the financial risks to a company large enough to make a big payment, in the event of an accident. We help put together plans that buy the right amount of insurance, not too much or too little.  And we educate our clients about the pros and cons of all the aspects of risk management. You can rest assured that you are making decisions in alignment with your long-term goals and values.

Services We Provide

Asset Protection and Reducing Risk

Learn how we help to reduce the risks you face and make educated decisions about ways to protect your wealth.

Asset Protection
Life Insurance

Life Insurance Strategies

Learn how much life insurance is enough, the pros and cons of permanent insurance, and various ways to maximize your benefit.

We believe in putting together a plan for the end-of-life and buying the right amount insurance to protect your independence and dignity.

Long Term Care Planning
Happy in a Wheelchair

Health Insurance and Healthcare Expense Management

Healthcare is one of the most expensive parts of modern life. Learn how we plan and pay for health expenses.

Disability Insurance

Learn the steps to take to buy the right amount of insurance to protect your family if the breadwinner is injured and unable to work.

Insurance and Risk Management

Medicare Insurance Planning

We help you make an educated decision about all the various Medicare insurance options.

Home and Auto Insurance Planning

Learn how we work with independent agents to shop and compare the insurance that protects your stuff.

Client Stories

Jeff and Laura
Martina and Larry

Laura and Jeff are active skiers, hikers and generally spend a lot of time outdoors. They are just starting their family, and looking forward to spending more time in their Summit County Condo. Jeff likes to ice climb and rock climb. Laura is an avid runner and sometimes biker. She worries that Jeff may get hurt on one of his guy-trips, and she wants to know that she and the baby-to-be will be safe. We:

Performed a discovery meeting
Put together a financial plan
Put together a Will and discussed the estate planning process
Educated them about life insurance and disability insurance
Implemented the plans

Laura feels much better knowing all these important, scary what-if scenarios are taken care of. Jeff is proud of the work we did for him. Jeff feels better knowing that his young family will be safe just in case something happens to him.

Martina is an active member of the Denver Arts scene. Larry is a creative director at a marketing agency. They are full of energy. Their happy button is always in the “ON” position, they say. With all the activities they have during the day, and night, they never have time to investigate all the financial decisions they are making. We:

Performed a discovery meeting
Gathered all of their insurance documents
Gathered all of their investment statements
Consolidated their loans
Consolidated their IRA accounts
Prepared a budget they can live by
Implemented their comprehensive financial plans

Martina and Larry appreciate having one person to go to for all their advice. They look forward to the day when they can quit working so hard. Yet, they can hardly imagine what that life would look like because they love what they are doing so much! They rest assured that if anything were to happen to either of them, both of them would be safe because of their comprehensive financial plan, and planner at A&I Financial Services.

Learn more!

An initial conversation with one of our experts is always free of charge.

Talk with an Expert

Our wealth management approach may be different from experiences you have had with other advisors.

Contact Us

Attend an upcoming event

We offer a broad array of events that broaden our knowledge and experiences.

View All Events

Recent Blog Post

Read the Periscope blog to learn what we believe about today’s investment landscape, economic update, politics and more.

Read More