Saving and investing are the cornerstones of financial planning. What gets less attention is insurance and its role as a risk-management tool. Yet, without insurance, any well-crafted financial plan is at risk of falling apart in the event of a catastrophe. 

The rise of fee-based insurance solutions gives RIAs a way to incorporate life, disability and long-term care and annuities into their clients' holistic financial plans, says Jim Cooper, co-chief executive officer of Financial Independence Group. 

You can find show notes and other information at CarsonGroup.com/Framework.