Insurance planning is a key part of protecting everything you’ve built. We work with affluent families and business owners to provide a fully integrated strategy, connecting your investments, tax plan, and estate goals.
A personalized approach to insurance planning
Effective insurance planning starts with understanding your life. Your responsibilities, your assets, your family, and your business all shape the strategy.
Each plan is tailored and coordinated. High-net-worth insurance is designed to align with estate planning, tax strategy, and long-term wealth transfer. This ensures your coverage supports your broader financial picture.
Our goal is to help you preserve wealth and provide liquidity when it matters most. As part of comprehensive insurance planning, every element works together to support your goals.
Life insurance as a foundation of protection
Life insurance provides stability and continuity. It supports families, protects assets, and ensures obligations are met with clarity.
Your life insurance plan should reflect both personal and business needs. This includes planning for family support, estate considerations, and long-term wealth transfer.
For those with business interests or multi-generational goals, high-net-worth life insurance is integrated into a broader strategy that connects insurance planning with tax and estate outcomes.
Income protection through critical illness and disability insurance
Income is one of your most valuable assets. Critical illness insurance and disability insurance are designed to protect that income and provide flexibility during challenging times.
Critical illness insurance provides a lump sum that can be used for treatment, recovery, or maintaining your lifestyle. Disability insurance replaces income, helping maintain financial stability if you are unable to work.
Within insurance planning, these tools are coordinated to ensure your financial plan remains intact, even during unexpected events.
Insurance planning for business owners
Business owners require a broader view of insurance planning. Protection extends beyond personal needs to include the business itself.
Employee benefits are an important part of this strategy, helping support teams and strengthen overall business continuity. Business-related life insurance solutions also play a role in succession and ownership transitions.
With experience across accounting, banking, and commercial strategy, the team understands how insurance planning fits within a business context.
This allows for more precise and effective solutions.
A coordinated team focused on long-term protection
Sacco & Associates Private Wealth Management operates as a team, bringing together multiple areas of experience to support each client. Insurance planning is approached with the same level of detail and coordination as investment and tax strategies.
Jon Knezevici plays a growing role in the insurance side of the practice, helping ensure coverage conversations stay connected to broader planning goals around family protection, estate liquidity, and long-term financial security.
Nicholas Sacco also supports the insurance planning process, with a focus on helping clients understand how protection fits within a broader financial strategy. His work helps connect day-to-day client relationships with longer-term planning priorities.
This team-based approach allows high-net-worth insurance strategies to be developed with depth and accuracy. Every recommendation reflects both immediate needs and long-term goals.
Clients experience a structured and thoughtful process where insurance planning evolves alongside their lives.