Why Risk Management Matters
Every financial plan faces uncertainty: market volatility, health events, business disruptions, and even unexpected life changes. Without a plan to manage those risks, a single setback can derail years of progress.
A proactive risk management strategy helps you:
- Protect your family’s income if illness or injury prevents you from working.
- Ensure your loved ones are financially secure in the event of your death.
- Cover potential long-term care costs that could otherwise erode savings.
- Shield your business and employees from financial instability.
- Maintain financial independence—no matter what life brings.
At OnePoint BFG in Boise, we don’t believe in fear-based planning. We believe in preparedness. Our goal is to protect your wealth.
Our Approach to Risk Management
- Discovery & Assessment
We start by learning about your financial picture, career, family, and long-term goals. From there, we identify potential vulnerabilities—gaps in coverage, liquidity concerns, or overexposure to certain risks.
- Analysis & Strategy Design
Next, we evaluate your current insurance policies, asset allocations, and savings strategies to ensure you’re covered efficiently—not over- or under-insured. We analyze how each risk ties into your larger financial plan.
- Implementation & Coordination
We recommend customized solutions designed to protect your income, assets, and legacy. That may include life insurance, disability coverage, long-term-care strategies, business continuity planning, or liability protection. We coordinate with your insurance providers, CPA, and attorney to make sure all areas align.
- Ongoing Review & Adaptation
We revisit your risk management strategy annually (or after major events like home purchases, births, or business changes) to ensure your protection remains up to date.
Key Areas of Focus
Life Insurance Planning
We help you evaluate the right type and amount of life insurance—term, permanent, or hybrid—based on your goals, family structure, and legacy wishes.
Disability & Income Protection
Your ability to earn an income is your greatest asset. We design disability insurance strategies that replace income and protect your financial independence if you can’t work due to illness or injury.
Long-Term Care Strategies
Healthcare costs can be one of retirement’s biggest unknowns. We help you prepare for potential long-term care needs through insurance solutions, health savings accounts, or hybrid coverage that integrates with your retirement plan.
Business Owner Protection
For Boise business owners, we provide continuity and succession strategies that protect both the company and your family. That includes buy-sell agreements, key-person coverage, and executive-benefit planning.
Liability & Asset Protection
We assess your exposure to lawsuits, accidents, or other claims and help coordinate umbrella liability policies and legal structures to shield your assets.
Why Work With OnePoint BFG in Boise
- Fiduciary Focus: We always act in your best interest—no product quotas or commissions.
- Comprehensive Perspective: Risk management is fully integrated with your investment, tax, and estate planning strategies.
- Local Insight: Our Boise advisors understand Idaho’s unique economic environment, business landscape, and family values.
- Experience You Can Trust: Sean McCarthy’s credentials (CFP®, ChFC®, RICP®) reflect decades of financial and insurance-planning experience.
- Personal Partnership: You’ll have one primary advisor backed by a coordinated team of specialists.
At OnePoint, risk management isn’t about selling policies—it’s about protecting your story.
Frequently Asked Questions (FAQs) about Risk Management
Risk Management in Boise, Idaho
At OnePoint BFG Wealth Partners in Boise, we believe protecting what you’ve built is just as important as growing it. True wealth isn’t only measured by assets—it’s measured by the ability to sustain your goals and protect your family, business, and lifestyle through every season of life.
That’s where comprehensive risk management comes in.
Led by Sean McCarthy, CFP®, ChFC®, RICP®, our Boise-based financial advisors help individuals, families, and business owners identify potential risks, understand their financial exposure, and design strategies to safeguard their wealth.
Why Risk Management Matters
Every financial plan faces uncertainty: market volatility, health events, business disruptions, and even unexpected life changes. Without a plan to manage those risks, a single setback can derail years of progress.
A proactive risk management strategy helps you:
At OnePoint BFG in Boise, we don’t believe in fear-based planning. We believe in preparedness. Our goal is to protect your wealth.
Our Approach to Risk Management
We start by learning about your financial picture, career, family, and long-term goals. From there, we identify potential vulnerabilities—gaps in coverage, liquidity concerns, or overexposure to certain risks.
Next, we evaluate your current insurance policies, asset allocations, and savings strategies to ensure you’re covered efficiently—not over- or under-insured. We analyze how each risk ties into your larger financial plan.
We recommend customized solutions designed to protect your income, assets, and legacy. That may include life insurance, disability coverage, long-term-care strategies, business continuity planning, or liability protection. We coordinate with your insurance providers, CPA, and attorney to make sure all areas align.
We revisit your risk management strategy annually (or after major events like home purchases, births, or business changes) to ensure your protection remains up to date.
Key Areas of Focus
Life Insurance Planning
We help you evaluate the right type and amount of life insurance—term, permanent, or hybrid—based on your goals, family structure, and legacy wishes.
Disability & Income Protection
Your ability to earn an income is your greatest asset. We design disability insurance strategies that replace income and protect your financial independence if you can’t work due to illness or injury.
Long-Term Care Strategies
Healthcare costs can be one of retirement’s biggest unknowns. We help you prepare for potential long-term care needs through insurance solutions, health savings accounts, or hybrid coverage that integrates with your retirement plan.
Business Owner Protection
For Boise business owners, we provide continuity and succession strategies that protect both the company and your family. That includes buy-sell agreements, key-person coverage, and executive-benefit planning.
Liability & Asset Protection
We assess your exposure to lawsuits, accidents, or other claims and help coordinate umbrella liability policies and legal structures to shield your assets.
Why Work With OnePoint BFG in Boise
At OnePoint, risk management isn’t about selling policies—it’s about protecting your story.
Frequently Asked Questions (FAQs) about Risk Management
Financial risk management is the process of identifying, analyzing, and preparing for financial risks—such as loss of income, health events, or market downturns—that could disrupt your goals.
Employer coverage often isn’t enough and may not follow you if you change jobs. We’ll help evaluate your existing benefits and determine if supplemental coverage makes sense.
Protecting your income and assets ensures your investment, tax, and retirement strategies can succeed—even when life doesn’t go as planned.
Key-person dependency, partnership buyouts, liability exposure, and business continuity are all major considerations. We help you plan for each.
At least once a year—or anytime you experience major life changes such as marriage, home purchases, children, or new business ventures.
Good risk management doesn’t have to be costly. Our goal is to find efficient solutions that protect you without over-insuring or duplicating coverage.
Investment advisory and financial planning services offered through Bleakley Financial Group, LLC, an SEC registered investment adviser, doing business as OnePoint BFG Wealth Partners (herein referred to as “OnePoint BFG”).
The information contained herein is provided for informational and discussion purposes only and is not, and may not be relied on, in any manner, as legal, tax, accounting or regulatory advice nor does this constitute an offer to sell or a solicitation of an offer to buy any securities and may not be used or relied upon in connection with any offer or sale of securities. The information, as set forth herein, should not be construed or interpreted as OnePoint BFG’s guarantee of any particular investment outcome or a guarantee of future investment returns or results.