Most people focus on growing their wealth—but one unexpected event can derail years of financial progress.
In this episode of Make It Make Cents, Michelle Cropley and financial advisor Scott Wilson discuss the often-overlooked side of financial planning: protecting your income, assets, and family from life's biggest financial risks.

They cover:
●    Why income protection may be more important than investment returns during your working years
●    The surprising disability statistics that every worker should understand
●    How disability insurance fits into a comprehensive financial plan
●    Why emergency savings can help prevent costly financial mistakes during a crisis
●    Practical steps to reduce the risk of identity theft and financial fraud
●    The role of umbrella insurance and how it can help protect accumulated wealth
●    Why long-term care planning should begin long before retirement
●    Common misconceptions about Medicare and long-term care expenses
●    The estate planning documents every adult should have in place
●    Why beneficiary designations can override instructions in your will

The key takeaway: building wealth is only part of the equation. A strong financial plan also protects what you've built through proper insurance coverage, emergency reserves, estate planning, and preparation for the unexpected.