For Advisors

As an independent broker, the client’s need is our top priority.

We offer our consulting services to individuals and in partnership with other financial professionals.

Insurance consumes significant firm resources, diverting time from revenue-generating activities.

  • Holistic and fiduciary based planning necessitates oversight of clients' insurance policies.

  • The dynamic nature of the insurance industry demands continuous knowledge updates.

  • Shopping insurance products can be a daunting task.

  • Conducting policy reviews is complex and a time-intensive process.

We can help.

Kusmider Consulting upholds the highest ethical and fiduciary standards in all services provided to clients and firms. We offer formal engagements to serve as your outsourced life insurance partner, handling all essential insurance tasks and freeing up your time to focus on what you do best.

The Details:

  • Do you have a fiduciary based resource for insurance support?

    At Kusmider Consulting, we are your partner in life insurance services. We work in tandem with financial professionals to review the need for coverage, assess current policies, and review the options for alternative coverage when necessary. All planning is done with a comprehensive focus on the individual's financial situation.

    Our team is committed to maintaining confidentiality to safeguard all client information. We offer various levels of engagement to provide the optimal support structure for you and your firm.

  • Proper planning is our commitment to clients. To ensure goals are understood, needs are met, and the necessary planning is achieved we work with the clients advisory team on with the following process.

    • Discovery and Review

    • Analysis

    • Recommendations

    • Implementation

    • Ongoing Monitoring

    We will consult with the advisory team behind the scenes until there is a need or desire to have our team meet with your client.

  • Our sole areas of focus include life insurance and related product lines, including disability insurance, long-term care planning, and annuity reviews.

    At Kusmider Consulting we do not provide financial planning, investment management, or legal advice.

    That is where you come in! We work closely with our clients’ financial team to complete the advisory process and maximize their overall planning.

Who we support:

  • Individuals and Businesses

    Insurance advice tailored to your needs above all. Contact us to review your current plan, assess your coverage needs, and explore any additional options.

  • Wealth Managers

    Balancing all areas of expertise your role demands is a challenging task. We partner with you as your insurance specialist to manage your clients' protection and help alleviate some of that burden.

  • Legal Professionals

    Our team assists attorneys with their clients’ diverse insurance needs by creating customized solutions that prioritize each unique plan. We also assist in reviewing existing policies during planning.

  • Tax Professionals

    As a CPA, you are intricately involved in your client’s personal and business needs. As a non-biased firm, we can help you review policies to maximize tax planning and protection.

High-touch consulting with personalized solutions

Policy reviews

Regularly reviewing your coverage is essential for optimal planning. Insurance reviews should be performed at least every five years and with major life events such as significant income growth, a new marriage, and children.

We can help you get the necessary documents and analyze your goals and policy performance to ensure you have the necessary coverage.

Comprehensive business solutions

Customized tools and solutions for growing companies, protecting owners from loss of business partners or key employees.

  • Buy-Sell Planning and Funding

  • Deferred Compensation and Executive Bonus Plans

  • Key Employee Protection and Retention

Estate planning

In collaboration with estate attorneys, we offer assistance in maximizing your legacy by planning and reviewing life insurance within trusts and estate plans.

  • ILIT Consulting and Reviews

  • Legacy Planning

  • Charitable Giving

  • Family Protection

  • Income Replacement

Insurance maximization

Designing insurance solutions to fill a need and maximizing benefits and funds used.

Retirement Planning Tools

IRA Strategies

  • Tax Optimization

  • Transfer Planning

Long-Term Care Bundling within Life Insurance

Core areas of focus

Life Insurance Solutions

Long Term Care Plans

Annuity Design

Disability Income Protection