Protect What You’ve Built.
Plan for the risks you hope never happen.
Protection and life insurance strategies connect your coverage with the people, income, and financial goals that depend on you. We review your existing protection and coordinate it with your broader financial plan.
30 minutes. Free. No tax return needed.
Who typically benefits
Asset protection matters most when you have a lot to lose, income others depend on, or exposure to liability.
Separating business risk from personal wealth
Liability that comes with owning property
Protecting wealth across generations
Protecting the income that builds everything else
Questions we help answer
“Can I convert term life to whole life?”
“How much life insurance does a business owner need?”
“How does life insurance fund a buy-sell agreement?”
“Can a business pay for life insurance?”
“How would we pay for long-term care?”
How we help you
The team at WealthQuant Advisors helps you look at what you own and what could put it at risk, then designs a tailored plan with your attorney and insurance professionals.
What are you exposed to?
We review your assets, income, business, and property to see where a lawsuit, injury, or illness could do the most damage.
Is your coverage right-sized?
A needs-based review of liability, disability, life, and long-term care coverage, so you’re neither underinsured nor overpaying.
Is your structure helping?
How you own your business, property, and accounts affects your risk and your taxes. We coordinate with your attorney on entities, titling, and trusts.
Who is protected if something happens?
We test your plan against a loss of income or a major claim, and make sure your family and beneficiaries are covered.
One Big Move. Many Moving Parts.
Insurance is one part of a coordinated financial plan. We review the risks to your income, family and business, then consider coverage that fits your needs and existing protection.
Estate & Legacy Strategies
Life planning
Buying a home, getting married or facing illness or injury changes more than one part of your finances. We connect cash flow, goals, protection and tax timing in one plan.
Business event planning
Retirement strategies
Plan design, Roth conversions and claiming — on time.
Common questions about asset protection
What is asset protection planning?
It’s planning that reduces the risk of losing assets to lawsuits, illness, or disability. It combines insurance, the way you own your assets, and other legal structures, all coordinated with your financial and tax plan.
Is umbrella insurance worth it?
For many people with significant assets, yes. An umbrella policy adds liability coverage above your home and auto limits, usually at a modest cost. How much you need depends on what you own and what you earn.
Do I need disability insurance if I have savings?
Possibly. Your income is often your largest asset, and an extended disability can outlast your savings. We look at how long your plan could run without your paycheck before recommending coverage.
Can a trust or an LLC protect my assets?
They can help, depending on how they’re set up and used. Protection generally has to be in place before a claim arises, and transfers made to avoid an existing creditor can be undone. An attorney should draft any structure.
What about captive insurance or premium financing?
These are advanced strategies suited to a narrow set of business owners and families. They carry costs and risks, and they need to meet strict requirements. We explain whether they fit before anything is considered.
Does WealthQuant Advisors earn a commission on insurance?
Insurance is sold through WealthQuant Financial Services and Insurance Solutions, LLC, not through the RIA. Ginger Chien (CA Ins. Lic. # 4394348) may earn a commission when insurance is the right tool.
Ginger Chien may earn a commission on an insurance transaction through WealthQuant Financial Services and Insurance Solutions, LLC. This creates a conflict of interest. Commissions are disclosed before you decide, and you are free to buy elsewhere. When Ginger Chien is paid a commission on an insurance transaction, there is no investment advisory fee associated with the insurance product.
Educational only. Not tax, legal, insurance, or investment advice. Strategies depend on your situation.
See where you’re exposed
A free 30-minute Tax X-Ray. We’ll look at what you own, what could put it at risk, and the moves worth considering. No tax return needed.