What’s the worst thing that could happen in your financial life? That’s a question clients must grapple with if they want to work with planner Robert Gerstemeier.

Risk management is always the first thing on his mind. He wants to make sure his clients have adequate emergency savings, health and disability insurance, and enough life insurance to cover survivors in the event of an untimely death. If they have a business, he walks them through disaster and succession planning for both the business and their investment portfolio.

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