Protection Planning

Insurance Services

Comprehensive insurance solutions integrated with your financial plan — because true wealth management means protecting what you've built.

Insurance Services — Launching Soon

Ryan is now a Utah-licensed insurance producer (life and accident & health). Kimberlite Insurance Services LLC — the separate agency these products will be offered through — is completing its Utah agency licensing, and coverage placements begin as soon as it's issued. To be notified when these services launch, please get in touch.

What We Cover

Protection for Every Stage of Life

Insurance products will be offered through Kimberlite Insurance Services LLC, a separate company from the advisory firm. Ryan, a Utah-licensed insurance producer (life and accident & health), will compare options from multiple carriers to find the right coverage at a fair price — always coordinated with, never sold inside, your advisory relationship.

Coming Soon

Life Insurance

Term, whole, and universal life policies to protect your family and secure your legacy. We help you determine the right coverage amount and structure.

Coming Soon

Health Insurance

Individual and family health plans, Medicare supplements, and HSA optimization strategies aligned with your financial plan.

Coming Soon

Disability Insurance

Short-term and long-term disability coverage to protect your income — your most valuable financial asset — if illness or injury strikes.

Coming Soon

Long-Term Care

Planning for potential long-term care needs with traditional LTC policies, hybrid products, and self-funding strategies.

Coming Soon

Business Insurance

Key person insurance, buy-sell agreement funding, business overhead expense coverage, and group benefits for small businesses.

Our Approach

Insurance as Part of Your Plan

We don't sell insurance in isolation. Every recommendation is made in the context of your complete financial picture — your assets, liabilities, income, family situation, and long-term goals.

Ryan holds active Utah insurance licenses for life and accident & health, and will compare options from multiple carriers to find the best fit for your needs once the agency's licensing is complete.

Compensation Disclosure: Insurance products generate commission-based compensation, paid by insurance carriers to Kimberlite Insurance Services LLC — separate from, and never offset against, advisory fees. This creates a conflict of interest, which we address by disclosing the nature and amount of any insurance compensation before you make a decision. When we recommend insurance as part of your financial plan, that advice falls under our fiduciary duty as your investment adviser; any product purchase then happens separately through the insurance agency, and you are never obligated to buy.

Not Sure What Coverage You Need?

We'll review your current coverage, identify gaps, and recommend solutions that fit your financial plan and budget.

Schedule a Review