Wave Financial Partners

 When you think of financial products that you budget your hard earned dollars for each month, what products would you consider ‘financial products’?   At Wave Financial, we consider ‘financial products’ that you allocate funds to each month to include:

Auto insurance, home insurance, recreational vehicle insurance, umbrella insurance, business insurances, health insurance, life insurance, disability & long term care insurance, investments &/or retirement products, mortgage products, and wills/living trust products.

Our goal at Wave Financial Partners is to BUILD, PROTECT, & TRANSFER WEALTH!!  Our method is to work with clients through lowering the expense of each and every ‘financial product’ to its lowest possible cost while still providing adequate coverage for their particular exposure.  We are able to accomplish this goal using  independent markets in each line of ‘financial products’, meaning we contract with multiple companies to be able to obtain multiple coverage options and rating points that are best suited for each client based on their profile and financial objectives.  We are not limited to only one product line….  Many times we are able to save enough on certain products to fully fund the purchase of other necessary products that were previously unaffordable!!

Credit scores now affect not only mortgages, but also the amount you pay for your insurance products!  When was the last time your insurance agent asked if they could help you do a full financial x-ray and determine if there any ways to increase your credit score to improve your insurance rates??  When was the last time your financial professional asked what rate you are paying for your mortgage and what type of mortgage product you have?  Your home is typically one of your largest assets and your largest debt – why would it not be used as a planning tool in the context of your financial plan? 

When was the last time your insurance agent asked what your net worth is?  Is it not an insurance agent’s job to find out how much they need to protect?  When was the last time your investment professional asked what your liability limits were on your home or auto insurance?  Isn’t it their job to protect what they help accumulate?  Has your life insurance agent talked to you about how your estate can avoid probate court?  Has your life insurance agent asked what your ‘true’ goal of your life insurance proceeds is?  Is it really a lump sum amount that your beneficiaries need or is it actually replacement of your monthly income that is the true need?  How did you determine how much life insurance you need ?  How did you determine what time of life insurance product suits your goal?

When consumers have an auto/home agent, a different commercial agent, a different mortgage broker, a different investment professional, a different life/health agent, and a will preparation representative – there will be gaps in coverages with no plan in place for a comprehensive, well rounded, financial plan. 

If we could save you money to free up funds to use in more beneficial ways to reach your financial goals while ensuring that what you do accumulate is protected and then transferred as you wish to your beneficiaries, would you be interested in exploring these options at no charge?  Contact Wave Financial Partners today!!!