Top disability insurance financial advisors
The right financial advisor for you depends on how you weigh location, expertise, experience, the clients they typically serve, and how they work with you.
If you face a sudden loss of income due to illness or injury, you need a disability insurance advisor to help protect your financial stability. Without expert guidance, you might overlook critical policy details that leave you underinsured when you need support most.
- Policy definition clarity. Confirm how they explain what counts as a disability under your policy, since definitions vary widely and affect your coverage.
- Benefit period insight. Ask about the length of time benefits will be paid and how that matches your financial needs during recovery.
- Integration with other coverage. Check how they coordinate disability insurance with your existing health and life insurance to avoid gaps or overlaps.
- Claim process support. Understand their role in helping you navigate claims, as timely and accurate filing can make a big difference in benefit approval.
Here are top matches to get you started. Review each profile to compare experience, credentials, and approach.
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Phillip R
CFP®, Series 63, Series 65
Lawrence, KS
Rademacher Financial, Inc.
Phillip Rademacher's 33 years of experience and CFP® certification equip him to address disability insurance needs effectively, especially for clients seeking integration with retirement plans and long-term care insurance. Operating independently with a flat-fee structure, his firm offers personalized, discretionary portfolio management and retirement plan consulting, distinguishing him from advisors who may focus solely on disability insurance without broader financial planning services.
Experience: 34 years
Avg account: $568,489
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Gregory S
Series 63, Series 66
Atlanta, GA
Smarr Financial Services Inc.
Gregory Smarr specializes in disability insurance and related areas like life and long-term care insurance, making him well-equipped to address income protection needs after illness or injury. Operating independently with a flat-fee structure, he offers personalized financial planning from his Atlanta-based firm, which also provides a broad range of insurance products and employs a long-term, fundamental investment approach, distinguishing him from advisors with narrower focuses or different fee models.
Experience: 20 years
Avg account: $610,840
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John H
Series 65, Series 66
Waxahachie, TX
Worth Asset Management
John Hale specializes in disability insurance and related areas like annuities and long-term care insurance, making him well-equipped to address income loss due to illness or injury. Based in Waxahachie, TX, he offers independent advice with 13 years of experience, managing assets with a 1.25% AUM fee, and also brings legal expertise through his law firm, which may provide additional insights into policy and claim complexities.
Experience: 14 years
Avg account: $875,795
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Matthew K
Series 63, Series 65
Urbandale, IA
Des Moines Investments, LLC
Matthew Kimberley specializes in disability insurance and life insurance needs analysis, supported by over 30 years of experience and Series 63 and 65 licenses. Operating independently at Des Moines Investments, LLC, he offers negotiable fees starting at 1.00% annually and serves a diverse client base including business owners, providing tailored portfolio management with a broad range of securities.
Experience: 30 years
Avg account: $351,429
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Benjamin D
Series 65
Boston, MA
First Step Financial
Benjamin Doernberg specializes in disability insurance, offering clear guidance on policy definitions and benefit periods to help protect your income during illness or injury. Operating from Boston, MA, he provides flat-fee and subscription-based financial planning through First Step Financial, focusing on modern portfolio theory and index funds, which may appeal to clients seeking transparent, fee-based advisory services without asset-based charges.
Experience: 0 years
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