Personal Risk Management & Insurance Review

From the Podcast

When it comes to Personal Risk Management & Insurance Review, you need information that safeguards your family, your assets, and your financial future.

What’s My Number? Life Insurance Edition

In this episode, Allan connects the importance of understanding hidden financial risks with the purpose-driven clarity every family needs around life insurance. Using the Tri-Color Auto Loan collapse as an example of what happens when you build on uncertainty instead of stability, he shifts to the heart of the conversation: discovering your true life insurance number. Allan explains the difference between term and permanent coverage and walks through how to calculate the amount of protection your family really needs.

If you want to approach life insurance with clarity, confidence, and purpose—not fear—this episode offers a grounded framework.

What's My Number? Homeowners & Auto Insurance

In this episode, Allan cuts through noisy headlines to refocus listeners on a far more immediate priority: knowing their insurance "number." He explains why being properly insured matters more today than ever, as rebuilding and repair costs surge, and walks through how to calculate true replacement cost for homeowners' coverage and the liability limits families need on their auto policies. It's a clear reminder that insurance isn't an afterthought—it's protection for your income, your assets, and your family's future.

If you want confidence that your home and vehicles are truly safeguarded, this episode offers the clarity to get it right.

What's My Number? Health, Disability & Long-Term Care Insurance

In this episode, Allan moves beyond market noise to focus on the protections every family needs around health, income, and long-term dignity. He breaks down how to calculate your real exposure in health insurance, how much income disability coverage should replace, and why long-term care planning is essential for both personal stability and family peace of mind. It's a clear reminder that stewardship isn't just about returns—it's about protecting your future from the risks that matter most.

If you want confidence that your financial plan covers more than investments, this episode provides the clarity to move forward wisely.

Real-World Family Risk Management

In this episode, Allan explains how shifting from Quad 3 toward Quad 2 reshapes the market environment—and why discipline matters more than predictions as inflation pressures rise and growth becomes uneven. From there, he turns to July's central theme: the five core risks most families underestimate, from income and health to mortality, property, and legal exposure. With clear, practical steps like disability insurance, term life coverage, umbrella policies, emergency funds, and essential estate documents, he shows how to protect your family's future with confidence.

If you want a calm, purposeful approach to managing real-world risk, this episode offers the clarity every household needs.

Senior Risk Management

In this episode, Allan explains how the transition from Quad 3 to Quad 2 creates an environment of rising inflation and uneven growth—one that calls for preparation, not panic, especially for seniors and retirees. From there, he turns to July's focus: the unique risks aging introduces, including health and long-term care needs, fraud and financial exploitation, social isolation, and fear-driven decision paralysis. With practical tools like Medicare reviews, long-term care planning, trusted contacts, community engagement, and early family conversations, he shows how to protect independence, dignity, and financial stability.

If you want a clear, purposeful framework for managing risk later in life, this episode offers practical guidance you can use right away.

Risks to Your Retirement: Protecting Your Future from Fraud, Divorce & Death

In this episode, Allan explains how the shift from Quad 3 to Quad 2 rewards disciplined positioning rather than emotional investing—but the core message focuses on the risks that quietly threaten retirement when families aren't prepared. He breaks down how fraud, late-life divorce, and the financial shock of losing a spouse can undermine even well-built plans, and offers practical steps such as adding trusted contacts, strengthening fraud protections, reviewing titling and beneficiaries, and building a survivor income plan before crisis hits.

If you want a retirement strategy that protects both your assets and your peace of mind, this episode offers clear, purposeful guidance.