The D.A.R.E.℠ Review Method
Four steps, in order, applied the same way every time. A proprietary method for looking at what you already have before anyone recommends anything new.
Developed with attorneys, CPAs, Certified Exit Planning Advisors, valuation specialists and advanced insurance professionals, and built on the audit protocols and forensic review techniques those disciplines already use.
The financial x‑ray
It starts with the facts. Your documents, your goals, your concerns, and the questions that establish what your situation actually is rather than what the paperwork assumes it is.
The result is a clear picture of both the numbers and the priorities: what you hold, what it is meant to do, and what you would want it to do if you were choosing today.
Think of it as the x‑ray: the view beneath the surface, before anyone decides anything.
Under the microscope
With the details in hand, everything goes under the microscope: structure, cost, risk and performance, evaluated against established tools and benchmarks rather than against opinion.
This is where what is working, what is not, and where the gaps and exposures sit come into view. It is a deeper look than most reviews go, because most reviews are conducted by whoever is hoping to sell the replacement.
The surface is where most reviews stop. This is built to go past it.
In black and white
The findings arrive as a written report, in plain English: the risks, the gaps and the opportunities, and what each one means for you.
It lays out scenarios and strategies side by side so the effect of each choice is visible before it is made. Clarity and control, with the jargon left out.
You see the decision in black and white, not in gray areas.
Walked through, together
The report is walked through with you, question by question, and the best next steps are weighed together. Where it helps, that conversation includes your other advisors, so what you decide agrees with the rest of your plan.
The job here is not to sell you something. It is to help you make the best decision available, and then to see it carried out.
Coordinated with the professionals you already have, so a decision made here holds everywhere else.
Financial products and agreements are complex, the mistakes are expensive, and the fine print rarely works in the owner's favor. A review conducted the same disciplined way every time is the only kind whose findings you can trust across cases, and across the people conducting them.
D.A.R.E. to review what has been left unchecked.
The same four steps, applied to the three instruments most often bought once and never re‑read.
Whether the coverage you hold still serves your family and your plan, or was sized for a life you no longer lead.
How we review coverage
Whether the agreement that is supposed to protect your business would actually work on the day it is needed, and whether it is funded.
Business succession
The fees, the liquidity terms and the income options actually inside the contract, against what is available now.
Retirement incomeA review is the first conversation for most people who work with Camas. It ends with a written report and a straight answer, whatever the answer is.
Book a reviewor read how an engagement runs from there.
