Risk Mitigation & Asset Protection
The protection layer underneath everything.
Life, disability and long‑term care design. Property, casualty and liability review. Asset protection structures, downside protection, business and key‑person coverage.
Coverage accumulates; it rarely gets designed
Most protection is bought one piece at a time and for one reason at a time: a policy taken out when the first child arrived, a group benefit that came with a job, a liability limit set when the house was worth half what it is worth now. Each decision was reasonable on its own day.
What nobody has done is look at the set. So the gaps are structural rather than obvious: a disability benefit that replaces income the household no longer lives on, liability limits well under current net worth, a policy owned by the wrong party, long‑term care left entirely unaddressed because it was never anyone's assignment.
Protect the plan, not the products
The question is not whether you are insured. It is what would actually happen to the plan if a specific event occurred: a death, a disability, a lawsuit, a long care event, a severe market drawdown at the wrong moment, and whether the household absorbs it or is redirected by it.
Answering that produces a position rather than a pile of policies: what is covered, by what, owned by whom, funded how, and what is deliberately being self‑insured. Some of the answers are products. Several are structural, and cost nothing but the decision.
What stands between the structure and everything outside it. Its value is invisible for years at a time, and then it is the only thing that matters.
The team
Who does this work
Camas is a licensed insurance practice, so design and placement in this pillar are generally handled directly rather than referred out, which is also why it is stated plainly. Existing coverage is reviewed on its merits and kept where it is doing its job; there is no benefit to replacing a policy that is already correct.
The Wealth Strategist sets what the protection layer has to do. The Orchestrator coordinates the review across property and casualty, benefits, and any coverage that sits inside a business, so the household is looked at as one exposure rather than several unrelated ones.
What this covers
In this pillar
- Asset protection structures
- Market loss and income loss protection
- Life, disability and long‑term care design
- Property, casualty and liability review
- Business insurance
The coordination
Nothing decided here stays here
Protection is the pillar most often bought in isolation and most often broken by it. Ownership and beneficiary decisions in particular reach directly into other pillars.
- Estate & Legacy Planning
Who owns a policy and who it names decides whether the proceeds land inside the estate structure or beside it. This is the single most common place documents and assets disagree.
- Leverage & Liquidity
Large coverage raises a funding question. Premium financing and other leveraged approaches are decided here, and they carry their own risks that have to be planned rather than assumed.
- Business Advisory
Key‑person coverage and buy‑sell funding are risk instruments doing business‑continuity work. An unfunded agreement is a document with nothing behind it.
The other five pillars
No pillar is engaged on its own. Each is designed by the Wealth Strategist and coordinated by the Wealth Orchestrator as part of one plan.
- Estate & Legacy PlanningThe plan that outlasts you.
- Tax Planning & ManagementThe strategy that compounds in silence.
- Wealth ManagementThe accumulation and stewardship engine.
- Business AdvisoryWhere the business and the household meet.
- Leverage & LiquidityThe machinery that supports the plan.
Pillar 03 of 06
Find the gap before it finds you
A discovery conversation is where we look at what you are actually protected against, and what you are not.
Book a discovery call