Insurance Planning

As independent insurance agents we pride ourselves on being product and brand agnostic and as a result, we specialize in finding the right insurance product that fits the individual situation. At MHWM, we have the flexibility to explore the vast insurance product marketplace, which allows us to fulfill our fiduciary responsibility to our clients by offering unbiased insurance recommendations.

At Montz Harcus, we specialize in the following types of insurance:

  • Disability Income Insurance
    • Own Occupation Specialty Specific for Physicians
  • Business Overhead Insurance
  • Life Insurance
    • Term Insurance
    • Permanent Insurance
  • Long Term Care Insurance

Insurance, by definition, is coverage by contract in which one party agrees to provide another party with a guarantee in the face of loss presented by a specified peril.  Financially, there are two major perils that threaten the financial livelihood of an individual and his/her family; death and disability, and it is extremely important to protect oneself from these perils.  Insurance acts as the ultimate safety net in the event of the unthinkable and is a backbone to a sound financial plan.  A lack of proper insurance planning can result in financial ruin.  In order to determine the proper amount of insurance coverage, it is important to perform an in depth needs analysis to ensure that the client and his/her family is adequately covered in the event of death/disability.  The existence of a suitable insurance plan allows the client to continue their life path, despite an unthinkable event.

Retirement: We develop a detailed retirement analysis that provides our clients with a targeted savings goal for retirement.  In this process we leverage tax saving vehicles (SEP, 401(k), 403(b), IRA, etc.), permanent life insurance as well as additional investments to amass wealth that will allow our clients to live comfortably in their life styles for many years after retirement.

Securities and investment advisory services are offered through Montz Harcus Wealth Management, LLC (MHWM) with securities cleared through Charles Schwab & Co, Inc. Securities also offered through Purshe Kaplan Sterling Investments, member FINRA/SIPC, headquartered at 80 State St., Albany, NY 12207. Tax and Insurance services provided by Physicians Resource Group. Purshe Kaplan Sterling Investments is not affiliated with Montz Harcus Wealth Management or Physicians Resource Group.

Charles Schwab & Co, Inc. is one of the firms that we use to custody our client assets. Charles Schwab & Co, Inc., Montz Harcus Wealth Management, and the other entities named are separate and unaffiliated firms, and are not responsible for each other’s services or policies. Charles Schwab & Co, Inc. does not endorse or recommend any advisor and the use of the Charles Schwab & Co, Inc. logo does not represent the endorsement or recommendation of any advisor. Brokerage services provided by Charles Schwab & Co, Inc., member FINRA/SIPC.

MHWM and PRG are affiliated companies. Additional products and services may be available through Physicians Resource Group that are not offered through MHWM or PKS. This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your Registered Representative. Read it carefully before you invest or send money. Visit disclosure page.

Montz Harcus Wealth Management LLC (“MHWM”) is a registered investment adviser registered with the Securities and Exchange Commission (“SEC”) and notice filed in the states where the Adviser either has an office or the de minimis number of clients. The information in this disclaimer has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. Registration as a registered investment adviser does not imply a certain level of skill or training.