Insurance Products
Essential safety gear to protect your ascent from the unexpected.
Get the Insurance Field Notes
A visual guide to using insurance to protect your “herd” as you make the climb.
Confidence Comes From Preparation
You can't fully enjoy the view if you are worried about the fall.
No mountaineer attempts a serious summit without a harness, helmet, and rope. They don’t carry this gear because they plan to fail; they carry it so they can climb boldly, knowing they are protected from the unexpected.
At Mountain Goat Wealth Management, we believe your life is an adventure meant to be lived, not a series of risks to be feared. We provide access to professional protection strategies—including life insurance, annuities, long-term care, and accident coverage. We put these defensive measures in place so you can focus less on financial stress and more on the journey ahead.
The Mountain Goat Approach to
Insurance Products
True freedom on the trail comes from knowing you are prepared for the unknown.
It is hard to enjoy the view if you are constantly worrying about your footing. We view insurance products not as expenses, but as anchors. By securing your income and your legacy against the “what ifs” of life, you give yourself permission to hike boldly, knowing your herd is protected no matter what happens on the path ahead.
Customized Protection
Your adventure is unique, and your safety gear should be too. We don't believe in one-size-fits-all policies. We help design strategies tailored to your health, age, and lifestyle, ensuring you carry exactly the right amount of coverage for your climb.
Candid Communication
Insurance contracts are notorious for fine print. We translate the jargon into plain English. You will always understand exactly what is covered, what isn't, and how these tools serve your broader financial plan—no surprises.
Comprehensive Safety Net
The mountain is unpredictable. We build defensive strategies to protect your herd from life's biggest risks—illness, injury, or premature death. Whether it's Long-Term Care or Accident coverage, we ensure a stumble never becomes a fall.
Institutional Strength
Your safety gear must be reliable. We provide access to institutional-grade carriers and products, from Annuities to Life Insurance. We vet every option to ensure the guarantees behind your plan are as rock-solid as the mountain itself.
Simplified Options & Choices
The insurance marketplace is a dense forest of complex choices. We act as your scout, cutting through the noise to present you with clear, simple options that integrate seamlessly with your wealth management strategy.
Experienced Leadership
We have guided families through life's fiercest storms. We provide the foresight to identify gaps in your armor today, so you aren't scrambling to find shelter when the weather turns. We handle the details so you can focus on the adventure.
Strategies for Every Stage of the Climb
Insurance Products
Early Career
The Basecamp Builder
For those securing the route early. Your most valuable asset right now isn't your savings—it is your future earning potential. We implement cost-effective life insurance strategies to act as a safety rope, ensuring that even if your climb is cut short, your family's financial future remains secure.
Mid Career
The Alpine Accumulator
For those carrying the heaviest pack. You have peak earnings but also peak responsibilities—mortgages, tuition, and dependents. We design robust life insurance plans to ensure that if you can no longer lead the expedition, your herd has the resources to finish the climb without you.
Near Retirement
The Summit Transitioner
For those stabilizing the summit push. As you approach retirement, the goal shifts from growth to certainty. We utilize annuities to create a guaranteed 'income floor' that market volatility cannot touch, preventing a market storm in the 'Red Zone' from forcing a retreat.
Retired
The Legacy Steward
For those protecting the descent. The greatest threat to your legacy now isn't the stock market—it is the cost of healthcare. We implement Long-Term Care strategies to 'fence off' your assets, ensuring your wealth pays for your dignity and your legacy, rather than vanishing into the healthcare system.
Not sure which stage you are in? Let's map your position.
Mapping Your Ascent
A step-by-step guide to beginning your journey with us.
Click the image to zoom in.
Frequently Asked Questions
Discovery Meeting
How long is it?
The Short Answer: Short enough to fit into a lunch break.
The Details: We respect your time. The discovery call is a focused 30-minute conversation. We keep it concise because the goal isn’t to solve every financial problem in one sitting, but simply to determine if we are the right partners for your journey.
How much does it cost?
The Short Answer: It is completely complimentary.
The Details: There is no cost and no obligation for a discovery call. We believe you shouldn’t have to pay an admission fee just to find out if you like the guide. This is an investment of our time to see if we can add value to your life.
Is it virtual or in-person?
The Short Answer: We meet you where you are—usually virtually.
The Details:
For maximum efficiency and flexibility, we prefer to conduct discovery calls virtually (via Google Meet). This allows us to connect with clients regardless of their location. However, if you are local and prefer a handshake, we can arrange an in-person meeting based on availability and proximity.
What meeting times are available?
The Short Answer: We work around your expedition schedule.
The Details: We know that successful professionals and retirees are busy. While you can view real-time availability on our Contact page, we are generally available between 8:00 AM and 8:00 PM Mountain Time. We also offer weekend availability when needed. We seek to meet at your convenience, not just ours.
Do I need to bring anything?
The Short Answer: Just your questions and your vision.
The Details: No need to gather tax returns or account statements yet. The discovery call is a high-level conversation about your goals and current situation. If we decide we are a good fit, we will move to the “Information Gathering” meeting (Step 2), at which point we will ask for specific financial data.
Who will I meet with?
The Short Answer: A qualified guide, not a salesperson.
The Details: You will meet directly with one of our Mountain Goat advisors. All our advisors are fully licensed, experienced, and equipped to answer complex financial questions. You can learn more about our specific team members on the About page.
What are the possible outcomes?
The Short Answer: We will leave with a clear decision on the route forward.
The Details: There are typically three outcomes:
The Green Light: We are a great fit! We schedule a follow-up “Information Gathering” meeting to dig into the numbers.
The “Not Yet”: We see potential for a partnership, but the timing isn’t right. We agree to stay in touch and catch up down the road.
The Parting of Ways: We aren’t the right fit for your specific needs. We mutually part ways with no hard feelings and no pressure.
Will I need to make commitments?
The Short Answer: Only the decision on whether to have a second conversation.
The Details: Absolutely not. You will not be asked to sign a contract, transfer assets, or pay a fee during a discovery call. The only decision to be made is whether it makes sense to schedule a second meeting to dive deeper.
General
Why do I need a financial advisor?
The Short Answer: Because the higher you climb, the more consequential every step becomes.
The Details: The greatest threat to your wealth isn’t the market—it’s human behavior. When the weather turns (market volatility), instinct tells you to run (sell low). A professional advisor acts as your emotional anchor, keeping you disciplined and on the route when emotions run high. We also navigate the complex terrain of taxes, estate laws, and withdrawal strategies that, if missed, can cost you significantly more than an advisory fee.
What will you do for me?
The Short Answer: We act as the lead guide for your entire financial expedition.
The Details: Most advisors simply sell you hiking boots and wish you luck. We climb with you. Our role is threefold:
Wealth Management: We build and manage sophisticated investment portfolios designed to capture growth while managing volatility.
Retirement Planning: We use advanced forecasting software to stress-test your financial future, ensuring you have a clear roadmap for the summit and the descent.
Risk Management: We identify gaps in your safety gear (insurance) to protect your herd from the unexpected. Ultimately, we carry the heavy pack of financial complexity so you are free to enjoy the adventure.
Why should I choose you?
The Short Answer: Because “good enough” isn’t enough when the terrain gets steep.
The Details: Many firms rely on static models or “rules of thumb.” We bring Wall Street sophistication to your personal financial ascent. We utilize professional tools—like Monte Carlo simulations and dynamic stress-testing—to engineer plans that are data-driven, not hope-driven. Furthermore, we view life as an adventure. If you want a partner who focuses on helping you live your wealth rather than just hoard it, we are the right team for the climb.
How do you get paid?
The Short Answer: We believe in “Candid Communication,” which means total transparency on fees.
The Details:
For Wealth Management: We operate as fiduciaries. We charge a straightforward 1.25% advisory fee on the assets that we manage for you. We do better when you do better.
For Insurance Products: If we implement protection strategies (like Life Insurance, Long-Term Care, or Annuities) through our brokerage partners, we are paid a commission by the insurance carrier. This does not come out of your pocket directly.
For Retirement Planning: Our comprehensive Retirement Planning is typically included for our Wealth Management clients at no extra cost.
How do you keep my assets safe?
The Short Answer: We provide the compass, but we don’t hold the gold.
The Details: Mountain Goat Wealth Management never takes physical custody of your assets. Your accounts are held with a leading, independent third-party custodian, Charles Schwab. This provides a critical system of checks and balances. You grant us “limited power of attorney” to trade and manage the account on your behalf, but the assets remain in your name, protected by the custodian’s security measures and SIPC insurance. Only you have access to transfer assets in and out of your account.
How will I track my account progress?
The Short Answer: You have 24/7 visibility. We believe you should always know exactly where you stand.
The Details: We believe in total transparency. You will have your own secure login to the custodian (Charles Schwab), giving you real-time access to your balances, positions, and activity whenever you want it. In addition to the official quarterly statements you receive from the custodian, we meet with you at least annually (or more often as needed) to review your performance, discuss life changes, and adjust the route map for the year ahead.
How do I know if I am a good fit?
The Short Answer: We look for climbers, not just campers.
The Details: Our clients come from all stages of the climb—from “Basecamp Builders” to “Legacy Stewards”. You are a good fit if:
You are serious about your financial future and value professional advice.
You are looking for a long-term partnership, not a “get rich quick” scheme.
You align with our philosophy that wealth is a tool to fund a life of adventure and purpose. If that sounds like you, we invite you to schedule a discovery call to check our bearings together.
Do you have investment minimums?
The Short Answer: We look for trajectory, not just current altitude.
The Details: We do not have a strict asset minimum because we know that every summit push starts at basecamp. While many of our clients have already accumulated significant wealth, we are passionate about working with “Basecamp Builders”—high-income professionals who are early in their journey but committed to saving. If you have strong income potential and the discipline to follow a plan, we can help you build the rest.