Risk Management
Insurance Portfolio: - Term life: 10x annual income - Disability: 60-70% income replacement - Umbrella: $2-5M coverage - Professional liability if applicable
Asset Protection: - Proper entity structuring - Asset segregation - Estate planning documents - Prenuptial considerations
Estate Planning Essentials
Basic Documents: - Will and/or trust - Financial power of attorney - Healthcare directives - Beneficiary designations
Advanced Strategies: - Generation-skipping trusts - Charitable remainder trusts - Family limited partnerships - 529 education planning