OUR APPROACH
Understand the risk before the coverage.
Our review begins with the people, obligations and decisions behind the risk.
THE COMPLETE VIEW OF RISK
The context behind the coverage.
Family, ownership, liquidity, estate intentions and business transitions can change what protection needs to accomplish. We review these connections before considering coverage.
People & Family
Relationships and those who depend on you.
Estate & Ownership
Structures, intentions and succession.
Resources & Obligations
Income, liquidity and funding needs.
Business & Transition
Key people, exits and continuity.
Where specialized judgment is required, we coordinate with the client's attorney, CPA, investment adviser or other appropriate professionals.
THE ERX S³ FRAMEWORK
The sequence behind the risk.
S³ examines how decisions connect, where insurance exposures arise, and what needs review as circumstances change.
THE ERX FRAMEWORK
Decisions. Risk. Governance.
Sequence of Decisions™
Consider the timing and relationships among protection decisions.
Sequence of Decisions Risk™
Identify gaps, overlap and exposures that may be missed in isolation.
Sequence Governance™
Keep protection aligned as responsibilities and circumstances change.
THE ERX RELATIONSHIP
Personally led. Professionally supported.
Michael J. Giongo leads each relationship. Through ERX's insurance distribution relationship with Simplicity Group, specialized case-design, underwriting coordination and administrative resources are available as needed.
Complex matters are coordinated with clients’ attorneys, CPAs and other relevant professionals. Program access and coverage remain subject to licensing, availability and underwriting.
FOR ATTORNEYS, CPAS AND WEALTH ADVISERS
How we work with your clients’ advisers.
Much of our work arrives through a client’s estate attorney, CPA or wealth adviser, when a plan calls for insurance that must be placed, underwritten and administered with care. We serve as the insurance specialist on that team. You keep the client relationship and the advice within your discipline; we handle the insurance.
What you can expect from us:
- Your plan, our execution. Policy ownership, beneficiary design and trust arrangements follow your drafting. We do not redesign your plan.
- Large and complex cases. Advanced case design, multi-carrier underwriting and informal inquiries for substantial or medically complex risks, through our insurance distribution relationship with Simplicity Group.
- Clear communication. Written summaries of coverage, premiums, ownership and underwriting status that you can place in your file, and a single point of contact throughout.
- Disclosure first. Compensation, product costs and any limitations are explained to the client before a commitment is made.
- Nothing changed without confirmation. Existing coverage is never altered until replacement coverage, if any, is confirmed in force and the responsible advisers have been consulted.
ERX Wealth, LLC does not provide legal, tax or investment advice. Coordination with a client’s advisers does not transfer their responsibilities to ERX. On some cases, ERX may work jointly with another appropriately licensed professional and share compensation where the law and each professional’s rules permit. Any such arrangement, and any referral relationship, is disclosed to the client in writing before a commitment is made.
Discuss a case with Mike →THE HUMAN DIMENSION
The human context matters.
Family relationships, intentions, responsibilities and difficult transitions all shape what protection should accomplish.
Read The Human Dimension →