We are in the business of managing risk. Examples of risks include:

• premature death;
• a disabling accident or sickness;
• medical expenses;
• an extended (progressive) period of sickness, sometimes characterized by loss of functional capacity, either physical or mental.

One way to manage risk is through the use of insurance. Or, put another way, transferring the risk, in exchange for premium payment, to an insurance company. Using the examples above, the transfer would involve the provision of

• life insurance;
• disability insurance;
• health insurance;
• long term care insurance.

There are instances in which insurance coverage is not necessary. At Phase Four, we will let you know if our analysis determines this. Otherwise we will analyze your insurance need; quantify it; survey the marketplace; make recommendations and assist you with the application process. We will also keep in contact with you to perform necessary reviews and updates.

We work the same way, whether you are an individual, couple, or part of a group/association seeking insurance-based benefits.

In conjunction with our comprehensive personal and group insurance services, we provide financial planning, to include retirement planning (and plans); education funding; and investment planning.* For additional information on this aspect of our services, we invite you to visit our companion web site, www.phasefourcompanies.com.

*Registered Representative, Securities offered through Cambridge Investment Research, Inc., a broker/dealer. Member FINRA/SIPC to residents of Arizona, California, Florida, Illinois, Michigan, Missouri, New Mexico, Ohio, Pennsylvania, South Carolina, Virginia. Investment Advisor Representative, Cambridge Investment Research Advisors, Inc., a registered investment advisor. Cambridge and Phase Four Ltd. are not affiliated.