We specialize in helping successful executives, professionals, and business owners protect what they love- Their families and their businesses. In response to personal and client need, we have become experts in planning for families who have loved ones with special needs. Brad Elman is one of only 400 Chartered Special Needs Consultants in the U.S.
This is a unique resource for our clients. We work only by referral and 100% of our clients come to us at the suggestion of their lawyer, CPA, financial planner or friend/colleague/family member. A trusted resource to clients, colleagues, and the media, feel free to contact us to see how we may be of service to you. We have found people love to buy, but dislike "being sold".
We take a client-centered, solutions based approach. We solve problems, we don't pitch products. We don't believe having a license to sell something is the same thing as being an expert in something. We only work in areas where we have specific expertise. If we lack the expertise or the access to a product to help with your planning, we will gladly help you find a resource who can.
This is a unique resource for our clients. We work only by referral and 100% of our clients come to us at the suggestion of their lawyer, CPA, financial planner or friend/colleague/family member. A trusted resource to clients, colleagues, and the media, feel free to contact us to see how we may be of service to you. We have found people love to buy, but dislike "being sold".
We take a client-centered, solutions based approach. We solve problems, we don't pitch products. We don't believe having a license to sell something is the same thing as being an expert in something. We only work in areas where we have specific expertise. If we lack the expertise or the access to a product to help with your planning, we will gladly help you find a resource who can.
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Brad Elman, CLU, ChSNC, is a trusted resource to the mainstream media, the insurance profession, and his clients.
Below are some of the articles Brad has written or in which he has been featured.
Contact us to find out why reporters and insurance educators value our opinions on what is happening in the insurance and consumer finance space.
Fall 2020, NAILBA Perspectives Magazine Interview for Pandemic's Impact on the Life Insurance Industry.
August '11 NBC TV Brad Elman, CLU, Consumer Finance Guest on the Evening News 5pm, 6pm, 7pm, 11pm with Market Commentary.
Below are some of the articles Brad has written or in which he has been featured.
Contact us to find out why reporters and insurance educators value our opinions on what is happening in the insurance and consumer finance space.
Fall 2020, NAILBA Perspectives Magazine Interview for Pandemic's Impact on the Life Insurance Industry.
August '11 NBC TV Brad Elman, CLU, Consumer Finance Guest on the Evening News 5pm, 6pm, 7pm, 11pm with Market Commentary.
Families that have a child with special needs should initially approach their life insurance program like any other family.
The fundamental question to ask is, "What is the economic impact to the family if Mom and/or Dad were to die?"
For most families, the loss of one or both parents is emotionally and financially devastating.
As complex as this scenario is for typical families, families with special needs are particularly vulnerable if one or both parents die.
The biggest mistake I see among clients who have met with an advisor who claims to have experience working with families with special needs is when the insurance advisor focuses too narrowly and only plans for the "future care" of the child with special needs.
The fundamental question to ask is, "What is the economic impact to the family if Mom and/or Dad were to die?"
For most families, the loss of one or both parents is emotionally and financially devastating.
As complex as this scenario is for typical families, families with special needs are particularly vulnerable if one or both parents die.
The biggest mistake I see among clients who have met with an advisor who claims to have experience working with families with special needs is when the insurance advisor focuses too narrowly and only plans for the "future care" of the child with special needs.
I used to think this too.
Then I broke my leg playing soccer.
I am not a professional soccer player, so it really wasn't the leg that was the problem.
It was the sleep deprivation, because every time I moved- even breathed, the shattered bones in my leg shifted and I awoke in excruciating pain.
As an alternative to pain, I could have taken drugs, but being in pain was preferable to being doped up on pain medications.
At the end of the day, any of three issues- sleep deprivation, pain, or pain medications, were disabling.
Then I broke my leg playing soccer.
I am not a professional soccer player, so it really wasn't the leg that was the problem.
It was the sleep deprivation, because every time I moved- even breathed, the shattered bones in my leg shifted and I awoke in excruciating pain.
As an alternative to pain, I could have taken drugs, but being in pain was preferable to being doped up on pain medications.
At the end of the day, any of three issues- sleep deprivation, pain, or pain medications, were disabling.
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