Have you ever peeled an orange and discovered there was an apple inside? In planning for high net worth families and high-growth organizations, we call it The Perception Gap. It’s when buyers of strategies, products or advice perceive they have something in place, yet their reality is altogether different. Creation of wealth and enterprise is a magnet for complexity. We offer complementary support, alongside your existing advisors, for those areas in which specialized expertise may close the gap: - Disability insurance for unusually high-income earners (often implemented at the organizational level) - Life insurance design, implementation and ongoing management - Family wealth planning - Business continuity planning We form product design partnerships directly with top manufacturers that create peer-based risk pools and proprietary offerings uniquely suited for established families – and organizations with an unusual concentration of high-income earners. Clients often receive lower pricing, advanced features and higher coverage limits, through products not available in the general marketplace. Securities and Investment Advisory Services Offered Through M Holdings Securities, Inc. A Registered Broker/Dealer and Investment Advisor, Member FINRA/SIPC. TCS Insurance Agency, Inc. is independently owned and operated. Third-party posts found on this profile do not reflect the views of M Holdings Securities, Inc. nor its Associated Persons/Affiliates, and have not been reviewed by M Holdings Securities, Inc as to accuracy or completeness. This material and the opinions voiced are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine what is appropriate for you, please contact me directly or consult another qualified professional. The testimonials/recommendations used may not be representative of the experiences of other clients, and they are not indicative of future performance or success.