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Fee-Only Insurance Planning 101
Why “Fee-Only” Matters More Than Most People Realize When people hear the word “insurance,” they often think about policies, premiums, deductibles, and claims. What many consumers do not realize is that the advice they receive about insurance can vary dramatically depending on how the advisor is compensated. In today’s financial world, understanding the difference between fee-only insurance guidance and commission-driven insurance sales is one of the most important steps a pe
Mar 145 min read


The Most Commonly Underinsured Areas in America
The Hidden Financial Risks Many Families Overlook Most people assume they are adequately insured. After all, they have homeowners insurance, auto insurance, health insurance, and perhaps life insurance through work. But having insurance and having enough insurance are two very different things. Across the country, millions of individuals and families are unknowingly underinsured. This means they may have coverage, but not enough to fully protect themselves financially after a
Nov 30, 20254 min read


Cyber Insurance for Fee-Only Financial Planners: What You Really Need to Know
Written by: Peter Ciravolo, Co-Founder @ BC Brokerage BC Brokerage is a national insurance brokerage specializing in helping fee-only financial planners and their clients obtain life, disability, long-term care, annuity, home, auto, umbrella, and business insurance in all 50 states. www.bc-brokerage.com —---------- If you’re a Fee-Only financial planner, you’ve probably invested a lot of time in building a solid compliance program, refining your financial planning process, an
Oct 21, 20257 min read


🏡 Homeowner’s Insurance 101: What Every Homeowner Should Know
Buying a home is a milestone. But protecting it? That’s a responsibility. Whether you're a first-time buyer or reviewing your current...
Apr 16, 20252 min read


How Much Umbrella Coverage Do You Really Need?
Umbrella insurance is often overlooked, but it can be the difference between a minor legal issue and financial devastation.
Feb 9, 20252 min read


Homeowners Insurance vs. Landlord Insurance—What to Know Before You Rent Out Your Home
Thinking of turning your primary home into a rental? Before you hand over the keys, there’s something you can’t afford to skip: updating...
Jan 5, 20252 min read


What to Gather When You Have a Renter’s Insurance Claim
Filing a renter’s insurance claim isn’t something most people do often—which means when something does go wrong, you may not know where...
Dec 8, 20242 min read


Navigating Insurance in the "Sandwich Years": What Families Need to Review
For many families in their late 40s to early 60s, life is full—and complicated.You may have:👨👩👧👦 Two kids (one in college, one...
Oct 6, 20242 min read


🌪️ Earthquake, Flood, Hurricane & Wind Coverage: What Your Homeowners Insurance Doesn’t Always Cover
When it comes to protecting your home, most people assume their homeowners insurance has them covered for anything Mother Nature throws...
Jun 30, 20242 min read


Top 5 Ways to Save: Life, Disability, Home, Auto, and Umbrella Insurance
Here’s a segmented list of the Top 5 Ways to Save on each type of insurance: Life , Disability , Home , Auto , and Umbrella — all with...
May 14, 20242 min read


🚘 Collector Car Insurance 101:
🚘 Collector Car Insurance 101: What You Need to Know (That’s Different from Regular Auto Coverage) Owning a classic or collector car is...
May 7, 20242 min read


💸 “I Make More Now—So I Need Less Insurance?” Let’s Talk About That.
As income grows, many people start scaling back on certain protections—especially insurance. It makes sense on the surface:“I have more...
Feb 4, 20241 min read
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