underwriting

Underwriting is the process of applying and being approved for insurance. The underwriting decision ultimately affects how much each client will pay for insurance, so we aim to educate and support our clients throughout the process. A number of factors are considered during underwriting, the most important of which is the client's health status.

annual reviews

Planning continues even after insurance has been put in place. Since a client's circumstances are likely to change over time, we review each client's policies at least once annually. The annual review process allows us to ensure that the client's original goals continue to be met, and to proactively address new challenges that may arise.

fund advice / selection

The Lyman Group's partnership with Keever Capital, LLC allows us to recommend custom designed fund portfolios attuned to each client's risk tolerance, timeline, and goals. Our investment philosophy is based on a consistent, long-term, disciplined approach to the market. We choose investments based on client objectives, focusing on a value oriented methodology.

advisor collaboration / referral

We respect our clients' relationships with other tax and legal advisors. This involves actively including accountants and attorneys in the planning process to ensure that all members of the client's financial team are educated and in agreement. With an extensive network of experienced CPAs and estate planning attorneys we are happy to refer our clients to an appropriate advisor if needed.