Top advisors focused on disability insurance in the US
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 who understands how to protect your paycheck. Without expertise in disability insurance, an advisor might overlook policy details that affect your benefits when you need them most.
- Policy definition clarity. Confirm they explain what counts as a disability under your policy, since definitions vary widely and impact your claim eligibility.
- Benefit period insight. Ask how they determine the right length for your benefits, balancing coverage duration with premium costs.
- Integration with other coverage. Disability benefits often interact with Social Security or employer plans; check how they coordinate these to avoid gaps or overlaps.
- Claim process guidance. Understand how they support you through filing claims, as timely and accurate paperwork is crucial for 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 with a deep understanding of policy definitions and benefit coordination. Operating from Lawrence, KS, his independent firm offers flat-fee and negotiable AUM pricing, focusing on retirement-plan consulting and discretionary portfolio management, which may provide broader financial planning advantages compared to advisors with narrower specialties or fee structures.
Experience: 33 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, offering expertise in policy definitions, benefit periods, and claim process guidance, which is crucial for protecting income during illness or injury. Based in Atlanta, GA, he operates independently with a flat-fee structure and serves a diverse clientele including high net-worth individuals and trusts, combining insurance agency services with a long-term, fundamental investment approach that distinguishes him from other advisors.
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, offering expertise in policy definitions and benefit period planning crucial for protecting income during illness or injury. Based in Waxahachie, TX, he combines 13 years of financial experience with legal practice, providing a unique perspective. His firm, Worth Asset Management, serves high net worth clients with customized investment strategies and discretionary asset management, charging a 1.25% AUM fee, which may differ from other advisors focused solely on insurance.
Experience: 13 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, bringing over 30 years of experience to help protect your income against illness or injury. Operating independently at Des Moines Investments, LLC in Urbandale, IA, he offers negotiable fees starting at 1.00% annually and serves a diverse client base including business owners, with a comprehensive approach that integrates portfolio management and tailored financial planning.
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 and offers clear guidance on policy definitions and benefit periods, which is crucial for protecting income during illness or injury. Based in Boston, he provides flexible flat-fee and subscription pricing through First Step Financial, focusing on modern portfolio theory and broad index funds, distinguishing him from advisors who rely on asset-based fees or custody client accounts.
Experience: 0 years
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