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    • Home
    • Our Firm
      • About Us
      • Our Team
      • Office Locations
      • Our Values
      • Our Partners
      • FAQ
    • WHAT WE DO
      • Investment Management
      • Financial Planning
      • Estate Planning
      • Insurance Planning
      • Business Consulting
      • Family Office Services
    • WHO WE SERVE
      • Individuals & Families
      • Entrepreneurs & Owners
      • Private Organizations
      • Executives
      • Entertainers & Athletes
    • Client Login
      • Charles Schwab
      • Financial Planning Portal
  • Home
  • Our Firm
    • About Us
    • Our Team
    • Office Locations
    • Our Values
    • Our Partners
    • FAQ
  • WHAT WE DO
    • Investment Management
    • Financial Planning
    • Estate Planning
    • Insurance Planning
    • Business Consulting
    • Family Office Services
  • WHO WE SERVE
    • Individuals & Families
    • Entrepreneurs & Owners
    • Private Organizations
    • Executives
    • Entertainers & Athletes
  • Client Login
    • Charles Schwab
    • Financial Planning Portal

RISK MANAGEMENT & ASSET PROTECTION

WE PROVIDE INSURANCE SOLUTIONS THAT ADDRESS THE COMPLEX WEALTH PRESERVATION, ESTATE PLANNING AND RISK MANAGEMENT NEEDS OF OUR CLIENTS

INSURANCE PLANNING PROCESS

We provide our clients a holistic approach to insurance planning that integrates with their overall wealth management and estate planning strategies. By addressing both traditional risks and unique exposures, we help our clients develop risk management strategies to safeguard their assets, protect their legacies and achieve their long-term financial goals effectively. 


Our capabilities include: 


RISK ASSESMENT AND COVERAGE ANALYSIS

We conduct a thorough assessment of our clients' personal and financial risks and evaluate their existing insurance and annuity policies to ensure they provide adequate coverage.


LIFE INSURANCE AND ANNUITY SOLUTIONS

Through our insurance partnerships, we are able provide solutions that include: 

  • Whole, Variable and Term Life Insurance 
  • Fixed Index Annuities 
  • Variable and Fixed Income Annuities 
  • Index Linked Annuities 
  • Specialized Insurance 


WEALTH TRANSFER LIQUIDITY OPTIONS

We work with our clients in developing liquidity and estate transfer strategies to address matters such as estate tax coverage and buy-sell funding.


RISK MANAGEMENT STRATEGIES 

Working hand-in-hand with our legal, tax and insurance partners, we implement risk management strategies that combine insurance solutions with asset allocation, diversification and legal structures. 

CASE STUDY

Commission-free Insurance and Annuity Solutions

THE PROBLEM

When families consider adding insurance to their overall wealth strategy, they often encounter commission-based products. While not always problematic, these can sometimes create important challenges:


✅ Incentives That Don’t Always Align With Your Best Interest
Because agents and brokers earn commissions, they may (consciously or not) recommend products that generate higher payouts rather than those that are truly best suited to your needs.


✅ Higher Costs, Less Value
Commissions are built into the cost of traditional insurance, meaning you often pay higher premiums — with less of your money actually going toward coverage, cash value, or long-term benefits.


✅ Limited Transparency
It’s not always clear how much of your premium supports your financial goals versus covering sales commissions and other costs.
 

OUR SOLUTIONS
To address this problem, we provide access to commission-free insurance solutions that align with our fiduciary commitment to put our clients first. By partnering with leading platforms and carriers, we help clients integrate insurance into their financial plans without the hidden costs and conflicts that come with traditional commission-based products. 


Here’s how our approach helps protect your wealth with greater transparency and value: 


No Hidden Incentives or Commissions
Our approach removes sales commissions from the equation, so recommendations are based solely on what supports your goals — not on compensation.  


Commission-Free Life Insurance

Through partnerships with leading platforms, we offer low cost, commission-free life insurance — including both term and permanent coverage . This means more of your premium dollars go directly toward coverage and benefits, rather than agent commissions. 


Commission-Free Annuities
Through partnerships with leading platforms, we offer access to a wide variety of low-cost, commission-free annuities from top insurers. These are built to integrate into fiduciary, fee-based advisory models — providing transparency and value.


Aligned with Your Broader Plan
These solutions are designed to fit seamlessly into your overall wealth strategy, helping you protect what matters most while staying true to the principles of cost efficiency, clarity, and fiduciary care.


Insurance and risk management are essential components of a comprehensive wealth plan — helping protect your assets, provide for loved ones, and support your long-term objectives. We ensure these needs are addressed with cost-effective solutions that align with your broader financial goals. 

FIDUCIARY INSURANCE SOLUTIONS

Through our partnership with DPL Financial Partners, we help investors thoughtfully incorporate commission-free insurance and annuity solutions into their overall wealth plans — providing access to numerous top-tier carriers, with a focus on cost efficiency, transparency, and alignment with their long-term goals. 

Learn about our partnerships

INSURANCE CARRIERS

Questions? Contact us below!

Contact Us
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Legacy Wealth Investment Counsel, LLC

17 Corporate Plaza Drive, 2nd Floor, Newport Beach, California 92660, United States

949-867-7670 | info@legacywealthic.com

Copyright © 2025 Legacy Wealth Investment Counsel, LLC - All Rights Reserved.


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THE CONTENT IS DEVELOPED FROM SOURCES BELIEVED TO BE PROVIDING ACCURATE INFORMATION. THE INFORMATION IN THIS MATERIAL IS NOT INTENDED AS TAX OR LEGAL ADVICE. PLEASE CONSULT LEGAL OR TAX PROFESSIONALS FOR SPECIFIC INFORMATION REGARDING YOUR INDIVIDUAL SITUATION. THE OPINIONS EXPRESSED AND MATERIAL PROVIDED ARE FOR GENERAL INFORMATION, AND SHOULD NOT BE CONSIDERED A SOLICITATION FOR THE PURCHASE OR SALE OF ANY SECURITY.WE TAKE PROTECTING YOUR DATA AND PRIVACY VERY SERIOUSLY. AS OF JANUARY 1, 2020 THE CALIFORNIA CONSUMER PRIVACY ACT (CCPA) SUGGESTS THE FOLLOWING LINK AS AN EXTRA MEASURE TO SAFEGUARD YOUR DATA: DO NOT SELL MY PERSONAL INFORMATION.


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 The Certified Private Wealth Advisor® (CPWA®) certification is a professional designation issued by the Investments & Wealth Institute® (the Institute). It is designed for financial professionals who work with high-net-worth clients. The CPWA® program provides advanced education in wealth management topics such as tax planning, estate planning, asset protection, charitable giving, and legacy planning.

Use of the CPWA® designation indicates that the advisor has met experience requirements, completed an executive education program, and passed a comprehensive examination administered by the Institute. Investments & Wealth Institute® owns the certification marks CPWA® and Certified Private Wealth Advisor® in the U.S. and other countries.


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INVESTMENT ADVISORY REPRESENTATIVES OF, AND INVESTMENT ADVISORY SERVICES THROUGH PORTSIDE WEALTH GROUP, LLC AN SEC REGISTERED INVESTMENT ADVISOR. PORTSIDE WEALTH GROUP, LLC AND THEIR REPRESENTATIVES DO NOT PROVIDE TAX OR LEGAL ADVICE. EACH FIRM ONLY TRANSACTS BUSINESS IN STATES WHERE IT IS PROPERLY REGISTERED, OR IS EXCLUDED OR EXEMPTED FROM REGISTRATION REQUIREMENTS. SEC REGISTRATION DOES NOT CONSTITUTE AN ENDORSEMENT OF THE FIRM BY THE COMMISSION, NOR DOES IT INDICATE THAT THE ADVISOR REFERENCED IN THIS DISCLOSURE HAS ATTAINED A PARTICULAR LEVEL OF SKILL OR ABILITY.

 
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