Step 1: Understand
Every meaningful planning recommendation begins with understanding the client, the advisory team, the objectives, and the broader financial plan.
Integrated Insurance Solutions
Confidence for Every Important Planning Decision.
The Right Plan. The Right Solutions. The Right Outcomes.
Helping advisors identify the right insurance strategy to strengthen a financial plan and improve outcomes for clients.
Every meaningful planning recommendation
begins with understanding.
Understanding reveals the planning challenges. Thoughtful consultation creates practical solutions.
The Integrated Insurance Approach™
What we do.
Our approach is measured not by the sophistication of the strategy, but by the strength of the financial plan it helps create and the outcomes it delivers for clients.
Step 2: Consult
We collaborate with the planning team to identify planning challenges, evaluate alternatives, and determine the most appropriate path forward.
Step 3: Design
We develop thoughtful, independent planning solutions that strengthen the financial plan, align with the client's objectives, and improve outcomes for clients.
Step 4: Implement
We coordinate execution with discipline, attention to detail, and respect for the broader planning process.
Step 5: Review
Financial plans evolve. Strategies should be reviewed as clients, families, businesses, laws, and objectives change.
How We Do It
Disciplined thinking, expressed through five principles.
We educate.
Better understanding leads to better decisions. Education is woven throughout every engagement.
We collaborate.
We become an extension of the planning team, working alongside advisors, CPAs, attorneys, and clients.
We remain independent.
Recommendations are guided by the needs of the financial plan, not by products or providers.
We pursue practical solutions.
Sophisticated planning should result in practical, understandable solutions.
We strengthen the plan.
Every recommendation must strengthen the financial plan and improve outcomes for clients. If it does not, it does not belong.
Planning Challenges
We begin with the planning challenge, then pursue the practical solution.
Estate Liquidity
Creating liquidity when it may matter most for families, businesses, and legacy planning.
Detailed guidance coming soonBusiness Succession
Helping owners prepare for transition, continuity, and the protection of enterprise value.
Detailed guidance coming soonLong-Term Care Planning
Preparing for the financial impact of extended care while preserving flexibility and dignity.
Detailed guidance coming soonBusiness Continuity
Protecting the people, capital, and planning assumptions that allow a business to continue.
Detailed guidance coming soonIncome Protection
Helping clients protect future earning power and the plans that depend on it.
Detailed guidance coming soonFamily Protection
Strengthening the financial plan for the people and responsibilities clients care about most.
Detailed guidance coming soonThe Thinking Behind the Approach™
Integrated Insurance Solutions is led by David Appel and Peter Kaplan.
Their complementary expertise brings together advanced financial planning and sophisticated insurance strategy. Together, they help advisors solve complex planning challenges through The Integrated Insurance Approach™.
David Appel
Head of Insurance Solutions
Peter Kaplan
Head of Financial Planning & Insurance Solutions
Who We Partner With
We become part of the planning team.
Financial AdvisorsCPA FirmsEstate Planning AttorneysBusiness OwnersFamilies
Start the Conversation
Schedule a consultation.
Bring us into the planning conversation early. We will begin by understanding the situation, the objectives, and the planning challenges that need to be solved.
Schedule a Consultation