In this episode of FIN-LYT by EWA, Matt Blocki is joined by Jamison Smith and Jimmy Ruttenberg to break down estate planning and risk management strategies for high-net-worth individuals. They dive into the role of insurance in a comprehensive financial plan, covering everything from term and whole life insurance to universal life policies and long-term care riders.

The conversation focuses on the real-world impact of insurance planning—where it fits, where it fails, and how to avoid costly mistakes. They discuss common pitfalls like underfunded policies, misleading assumptions, and why many people don’t realize their coverage won’t last as long as they think. The team also explains how permanent insurance can be used strategically for tax efficiency, asset protection, and estate planning.

Whether you're evaluating your current insurance coverage or looking to optimize your financial strategy, this episode provides key insights into making smarter, more informed decisions.

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