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The right protection plan isn't just about having policies in place. It's about building an unshakable financial foundation that allows you to live with clarity and confidence, regardless of what life brings.
At Fortress Wealth Architects, we believe protection planning is the first blueprint layer of a truly resilient financial structure. For our clients including high-income professionals, business owners, and first responders, this isn't about checking a box. It's about building a durable system that keeps wealth secure, income flowing, and families cared for when the unexpected hits.
You’ve spent decades climbing the financial mountain. But most families don’t realize the descent can be just as dangerous, especially if they’ve only planned for the best-case scenario.
We’ve seen physicians earning $750K who never reevaluated their disability coverage after residency. Business owners with no buy-sell agreement, no umbrella policy, and no plan if their spouse suddenly had to take over. And firefighters who didn’t realize until too late that their pension wouldn’t fully support their family if they passed away early.
When protection planning is an afterthought, the consequences aren’t just financial. They’re emotional, generational, and often irreversible. One gap in your plan can wipe out everything you’ve worked to build.
We do things differently. Our protection planning process doesn’t begin with a product. It begins with your goals, your risks, and your family.
We look at your financial life the way an engineer looks at a structure. We analyze pressure points, build in reinforcements, and ensure every system performs under real-world stress.
We design protection strategies that are role-specific:
For Medical Sales Professionals: Income protection that aligns with variable comp plans and fast-paced lifestyles.
For Business Owners: Integrated business continuity, buy-sell coordination, and personal asset protection.
For High-Income Professionals: Estate coordination, life/disability layering, and tax-sensitive wealth transfers.
For Firefighters: Pension and paycheck protection, long-term care offsets, and survivor benefit maximization.
Your protection plan doesn’t live in a silo. And neither should your advisor.
We build protection strategies that align with your estate plan, integrate with your cash flow structure, and evolve as your life changes. Every layer of insurance, trust, and liquidity is designed to work together instead of sitting in a drawer.
Here are a few of the questions we start with:
If you were injured or became ill tomorrow, how long could your current lifestyle be sustained?
Are your life insurance policies aligned with what you want your family to experience if you’re not here?
Have you transferred enough liability to protect your assets without overpaying for coverage?
If long-term care were needed, would your current plan provide the quality of care you expect?
Are your estate documents and insurance strategies working together to preserve your legacy?
This isn’t about policies. It’s about outcomes. One uncovered gap could cost your family seven figures.
A coordinated plan, on the other hand, can preserve your wealth, minimize tax exposure, and give your loved ones the clarity and protection they deserve.
At Fortress Wealth Architects, protection planning is more than policy placement. We help you strategically integrate the right mix of insurance to serve your goals, reduce your risk, and ensure long-term security.
We guide clients through the following types of protection:
Disability Insurance
Ensures your income continues if you’re unable to work. Customized to your earning structure, whether you’re commission-based, self-employed, or salaried.
Life Insurance
Structured for liquidity, estate transfer, or income replacement. Includes term, whole life, and indexed strategies based on your needs.
Long-Term Care Insurance
Protects your assets and lifestyle in the event of a chronic illness or need for assisted living or home care.
Umbrella Liability Insurance
Safeguards your personal and business assets from unexpected lawsuits and large liability claims.
Business
Continuity Insurance
Buy-sell funding, key-person coverage, and owner income protection tailored to the risks in your business.
Pension Survivor & Income Gap Coverage
Designed for public-sector clients such as firefighters and first responders to maximize pension value while ensuring family protection.
Medical Expense
Gap Planning
Coordinates with your existing health coverage and addresses overlooked vulnerabilities.
Trust-Owned
Insurance Strategies
Advanced estate planning strategies that preserve wealth, reduce taxes, and transfer assets efficiently.
Our process ensures these layers work together to serve your broader wealth strategy.
Protection isn’t about fear. It’s about freedom. When you know your income is protected, your assets are insulated, and your family is secure, you make better decisions. You invest more boldly. You live more fully.
This is step one in the Fortress process. If we can’t protect it, we don’t build on it.
Schedule your Discovery Call now. In one focused conversation, we’ll uncover the blind spots in your current protection strategy and walk you through how to build a financial infrastructure that keeps your income safe, your assets insulated, and your legacy secure.
Let’s design a plan that protects what you’ve built and powers where you want to go.
*Disclaimer: Financial Advisors do not provide specific tax/legal advice and this information should not be considered as such. You should always consult your tax/legal advisor regarding your own specific tax/legal situation. Separate from the financial plan and our role as a financial planner, we may recommend the purchase of specific investment or insurance products or account. These product recommendations are not part of the financial plan and you are under no obligation to follow them. Life insurance products contain fees, such as mortality and expense charges (which may increase over time), and may contain restrictions, such as surrender periods.