Most types of insurance are about defense. They’re to protect what you have, to be prepared for, and never crushed by, setbacks.

Most investments, on the other hand, are where you go on offense, to grow your money, grow your business, grow your retirement funds.

But it starts to get complicated when you have to make tradeoffs to stay financially balanced, to stay true to your risk tolerance. Insurance isnʼt always defensive: it can be a strategic tool to attract and retain employees, for example. Investments arenʼt always aggressive: using certain financial risk, at different stages of life, or in different market conditions, can be a defense against over-concentration. When and how often must you re-balance?

Does it get complex? Of course. Thatʼs why you have a coach.

Investing in securities involves risk, including potential loss of investment. You should consider your objectives, risk tolerance, and time horizon very carefully before investing. Past performance is no guarantee of future results.