Disability and Income Replacement for Your Earning Power
Your ability to earn an income is one of your most valuable assets. If illness or injury prevents you from working, disability and income replacement planning helps you maintain your lifestyle and meet your financial obligations. At Mike Garcia Financial, we help you prepare for the unexpected so you can focus on recovery, not financial stress.
Why Disability and Income Replacement Matter
A sudden loss of income can disrupt your plans and put your family’s future at risk. With the right strategy, you can protect your finances and ensure you have the resources you need, even if you can’t work for a period of time.
Assessing Your Needs
We assess your current income, expenses, and financial goals to determine the right level of protection for you.
Recommending Coverage
We guide you through available policies and help you choose coverage that fits your occupation, lifestyle, and budget.
Coordinating Your Plan
We make sure your disability coverage works seamlessly with your other financial strategies, so you’re protected from every angle.
Ongoing
Support
We review your coverage regularly and make adjustments as your needs or circumstances change, keeping your protection up to date.
How It Works
1
Meet with us to discuss your income, career, and financial goals.
2
We will create a strategy that fits your needs and provides the right level of income replacement.
3
We help you put your plan into action and provide ongoing support to keep your coverage current.
Disability and income replacement planning gives you peace of mind, knowing you can weather life’s challenges without sacrificing your financial security.