.png){kind=small}
Palatino Protect Coverage Review.
In this 45-minute session, we’ll analyze your current insurance coverage, identify exposures affecting your income, taxes, and legacy, and show you how to architect a more resilient protection strategy.
No product pitches. No pressure. Just clarity on what actually protects your life, family, and wealth.
Your 1-on-1 Protect Coverage Review.
A personalized session for high-income families, dual-income households, and business owners who want clarity, structure, and confidence in their protection strategy.
The Protect Coverage Review is your opportunity to walk through your current protection structure with a Palatino advisor. In this session, we examine the foundation of your financial architecture - income stability, liabilities, tax exposure, family needs, estate liquidity, and long-term obligations - to help you understand where your plan is strong and where additional protection may be needed.
Even if you haven’t completed the Protect Assessment yet, the Review gives you a guided, advisor-led evaluation of the essentials.
What We Cover in Your Review:
-
Current income protection strength
-
Term life, DI, and permanent coverage alignment
-
Tax-efficient protection opportunities
-
Estate liquidity risk (forced-sale scenarios)
-
Protection gaps for dual-income households
-
Business owner risk exposures
-
Long-term stability and liquidity readiness
-
How protection supports private market investments
-
Priority actions to strengthen your plan
This session is structured around Palatino’s advisor methodology built for high-income families with complex financial lives. You’ll walk away with clear next steps and an understanding of how to improve long-term stability and reduce risk exposure.
Your Protect Score™ Summary.
Your answers revealed meaningful opportunities to strengthen your protection strategy.
Here’s a snapshot of how your current plan performs across the key foundations of income, tax, and legacy protection.
Income Protection Strength Score
How reliably your current insurance plan replaces income, protects your family’s lifestyle, and covers long-term obligations.
7/10
Your income coverage may not fully match your current lifestyle or obligations.
Tax & Growth Efficiency Score
How well your insurance structures support tax-efficient growth, liquidity, and long-term planning.
8/10
Opportunities exist for more tax-favored growth or liquidity.
Legacy & Liquidity Readiness Score
Measures whether your estate, beneficiaries, and liquidity plan can transfer wealth efficiently—without forced asset sales.
7/10
Your estate may lack sufficient liquidity for smooth wealth transfer.
Overall Protect Score™
A unified measure of how well your protection strategy supports your broader wealth plan.
7/10
Your score indicates key areas where adjusting coverage can meaningfully strengthen your plan.
Overall summary:
Based on your Protect Assessment, these are your top three exposure areas, ranked by urgency and potential impact.
In your Protect Review, we’ll unpack each risk and architect the exact protection strategy that aligns with your income, family, and long-term intentions.
Your Most Critical Gap:
How reliably your current insurance plan replaces income, protects your family’s lifestyle, and covers long-term obligations.
How reliably your current insurance plan replaces income, protects your family’s lifestyle, and covers long-term obligations.
Risk1 Title
Risk 1 Description
7/10
How reliably your current insurance plan replaces income, protects your family’s lifestyle, and covers long-term obligations.
Risk2 Title
Risk 2 Description
7/10
How reliably your current insurance plan replaces income, protects your family’s lifestyle, and covers long-term obligations.
Risk 3 Title
Risk 3 Description
7/10
How reliably your current insurance plan replaces income, protects your family’s lifestyle, and covers long-term obligations.
Here is what we will cover in your personalized session.
We’ll review your existing life, disability, and long-term care coverage and assess whether it truly replaces income, covers real expenses, and matches your family’s needs.
Gaps That Threaten Your Income & Wealth
We highlight structural risks like:
-
insufficient income replacement
-
outdated beneficiary designations
-
policies with poor tax treatment
-
missing liquidity for estate transfers
-
premiums not aligned with long-term goals
Protection Misalignment With Your Wealth Plan
We identify areas where your coverage does not match your:
-
income growth
-
family structure
-
business ownership
-
real estate holdings
-
tax bracket and long-term planning timeline
Opportunities for Tax-Efficient Protection
We review structures that:
-
shelter income
-
grow tax-advantaged cash value
-
create low-cost estate liquidity
-
reduce long-term tax drag
You will Walk Away with Your Personal Protect Strategy Blueprint.
Your Blueprint is a custom written outline that includes:
-
Your current risk exposure (income, taxes, liquidity)
-
Coverage strengths and weaknesses
-
Where your policies no longer match your life
-
How to realign insurance with your wealth, career, and family
-
Your top 2–3 action steps to strengthen protection today
What Makes a Palatino Protect™ Review Different.
Integrated with your wealth plan.
Protection connects to your investments, retirement strategy, estate plan, and private market exposure.
Carrier-agnostic.
We use unbiased criteria, not commissions or quotas.
Designed for high-earning professionals.
Comp-based income, bonuses, RSUs, real estate, and business ownership require advanced insurance design.
Advanced modeling.
We simulate income shocks, long-term care events, and liquidity needs—then design coverage to support real scenarios.
Strategy-first.
We analyze your needs, risks, taxes, and legacy before discussing any coverage.
