Services
Insurance & long-term care
Market risk gets all the attention. The risks that actually break retirement plans are usually the ones you can’t see coming.
What we plan around
Long-term care costs
What care actually costs in Oregon, what Medicare does and doesn’t cover, and how to keep it from consuming your savings.
Life insurance
Term, permanent, or none — based on whether anyone actually depends on your income, not on a sales quota.
Pension survivor elections
The choice you make at retirement affects your spouse for the rest of their life. We model it before you sign.
Estate coordination
Making sure beneficiaries, titles, and documents point the same direction.
Legacy intentions
Leaving money to family in a way that helps them instead of complicating their lives.
Not being a burden
The most common thing I hear, and a legitimate planning goal. We build around it.
Honest expectations
Insurance is not the answer to every risk. Sometimes the right recommendation is to keep the money in the plan and accept the risk. I’ll tell you when that’s the case, because a recommendation you regret is worse for both of us than a recommendation I never make.
Insurance products are offered through Scott Jason Thiel, a licensed insurance producer in the State of Oregon. Ohlson Group LLC is an independent insurance marketing organization and is not affiliated with Encompass More Asset Management LLC.
Let’s look at the risks together
No cost, no obligation, no product pitch on the first call.