Core Service
Risk Analysis.
Understanding what you're exposed to is the first step toward protecting against it. We analyze your full picture and build coverage strategies that actually match your life.
About This Service
What Is Risk Analysis?
Risk analysis is the process of identifying every significant financial exposure in your life — disability, premature death, long-term care needs, property loss, liability — and measuring whether your current coverage actually addresses those exposures.
At Base Wealth Management, we don't sell insurance products. We evaluate your risk profile independently and help you understand where you are protected, where you are exposed, and what coverage changes would make the most financial difference.
The goal is not maximum coverage. It is the right coverage for your actual life and income, at the right price, without gaps that could derail everything you are building.
Why independent analysis matters: When your advisor earns a commission on insurance sales, their recommendations are shaped by that incentive. We are fee-based and fiduciary — our only interest is helping you make the right call.
Who This Is For
Built for Anyone with Something Worth Protecting.
Risk analysis matters at every life stage — but it becomes critical when income, dependents, assets, or business interests create meaningful financial exposure.
What We Analyze
Every Type of Exposure, Reviewed.
Risk analysis isn't just about life insurance. We evaluate six categories of financial exposure and measure whether your current coverage actually addresses each one.
We measure how much income replacement your dependents would actually need and whether existing policies close that gap.
We evaluate employer group coverage, individual policies, and the gap between what you'd receive and what you'd need.
We model the cost of care in your area and help you decide between purchasing coverage and self-insuring.
We review your homeowner's and auto coverage for underinsurance issues and gaps in replacement cost coverage.
We evaluate whether an umbrella policy makes sense based on your assets, income, and lifestyle exposure.
We identify deductible risk, out-of-pocket exposure, and HSA strategy to reduce after-tax healthcare costs.
Our Process
How We Identify and Close Your Coverage Gaps.
We follow a four-step process that moves from mapping exposure to building a plan that actually fits your situation.
Free Discovery Call (15 Min)
We start by understanding your family structure, income, assets, and what types of coverage you currently carry.
Exposure Mapping
We identify every significant financial risk in your life — income loss, premature death, disability, long-term care, liability, and property — and size each one.
Coverage Audit
We review your existing policies in detail: what they actually cover, policy limits, exclusions, and whether employer-provided coverage is sufficient or portable.
Gap Analysis & Recommendations
We deliver a clear picture of where you are protected and where you are exposed, with specific recommendations ranked by financial impact.
By the Numbers
The Financial Exposure Most Families Carry.
These numbers represent common gaps we find in risk reviews — exposures that exist in most households but rarely get addressed proactively.
Common Questions
Frequently Asked Questions.
No. We are fee-based financial planners. We analyze your risk exposure and make recommendations. That independence is what makes our analysis trustworthy.
It depends on your income, debts, dependents, assets, and how long your family would need income replaced. We calculate a specific number based on your situation — not a generic multiple of salary.
For most working adults, yes. You are statistically far more likely to experience a disabling event than to die during your working years. Many people are significantly underprotected for disability because employer group coverage is limited and non-portable.
Long-term care insurance covers the cost of care in a nursing facility, assisted living, or at home if you cannot perform basic activities of daily living. Whether you need it depends on your assets, family situation, and retirement income. We model the cost of self-insuring versus purchasing coverage to give you a concrete answer.
Usually not. Employer group coverage is typically limited to 1-2x salary for life insurance and 60% of income for disability — and it disappears when you change jobs. We evaluate whether supplemental individual coverage is worth securing while you are healthy.
Ready to Know Where You Stand?
Let's Map Your Risk Exposure.
The first conversation is free, takes 15 minutes, and starts the process of understanding where your plan is protected and where it isn't. No commitment required.