Protecting What Matters – Insurance & Risk Management

Why Risk Management Is Vital to Your Plan

Building wealth is only half of the equation. Your plan also depends on preparing for the unexpected — whether that’s a sudden illness, a disability, a premature passing, or financial loss during an economic downturn. Insurance and risk management help preserve the financial foundation you’ve worked hard to build.

At BlackRidge Wealth Management, we integrate protection planning directly into your overall financial strategy so that your investments, insurance, and long-term goals all support one another.

The Cost of Under-Preparation

Real Financial Risks Families Face

A single unexpected event can significantly change the trajectory of a financial plan. A premature passing without adequate life insurance can leave a family struggling to maintain their lifestyle. A long-term care need later in life can quickly drain retirement savings. Disability during your working years can interrupt the income your family relies on. Risk planning addresses these challenges before they arise.

Insurance Planning Services We Provide

We evaluate your needs carefully — not based on product quotas or sales incentives — but on your goals, stage of life, and financial priorities.

Life Insurance Analysis

We review how much coverage you actually need for income replacement, mortgage payoff, college funding, charitable goals, or estate liquidity. We compare term and permanent policy structures and help determine which approach best fits your situation.

Long-Term Care Planning

We discuss traditional long-term care insurance, hybrid life/LTC policies, and self-funding strategies. For retirees in Utah, long-term care planning is often essential to help protect retirement assets from the rising cost of extended care.

Disability Income Protection

For clients still working, we evaluate disability insurance to help protect your earning power — one of your most important assets.

Umbrella Liability & Asset Protection

We review liability exposures and help you consider umbrella policies or other protective strategies, especially for clients with higher assets or unique risks.

We do not push products. If you need coverage, we can coordinate with trusted insurance specialists or help you evaluate options from independent carriers.

Insurance Planning Services We Provide

Insurance should support your plan, not overwhelm it. We determine the appropriate type and amount of coverage while keeping your premium budget in mind. Our goal is to help you build a strategy that aligns with your current needs and future goals.



Case Example:
A couple nearing retirement feared long-term care costs would derail their plans. After reviewing their assets, income, and health history, we created a blended strategy using partial insurance coverage and structured withdrawals — preserving their retirement savings while helping them feel confident about future care needs.

We also review existing policies to ensure:

• Beneficiaries are accurate
• Coverage reflects your life stage
• Cash-value policies still align with your goals
• Old policies haven't become unnecessarily expensive

Stay Protected Through Life’s Changes

Life changes — and so do your insurance requirements. Newlyweds often need basic life insurance. Growing families may need more comprehensive coverage. Empty nesters may adjust or reduce policies. Retirees frequently focus more on long-term care planning and estate goals.

We update your insurance strategy as your life progresses and ensure it works seamlessly with your investments, tax planning, and estate decisions.

Ready to Make Sure You’re Properly Covered?

If you’re unsure whether your current insurance aligns with your financial plan — or if you simply want clarity about your options — we’re here to help. Our team will review your needs and existing policies with no pressure and no obligation.