Top life insurance needs analysis 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.
You need a life insurance needs analysis advisor when you're unsure if your current coverage matches your financial goals or family situation. Without a clear assessment, you might pay for unnecessary coverage or leave gaps that expose your loved ones to risk.
- Coverage gap identification. Look for advisors who dig into your income, debts, and future expenses to spot where your insurance might fall short.
- Policy overlap review. Ask how they evaluate existing policies to avoid paying twice for similar coverage.
- Cost versus benefit balance. Confirm they help you weigh premium costs against the protection you actually need, not just sell more insurance.
- Life changes consideration. Check if they update your analysis when major events like marriage, home purchase, or retirement happen.
Here are top matches to get you started. Review each profile to compare experience, credentials, and approach.
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Aden P
CFP®, Series 65
Greenville, SC
Foundations Investment Advisors LLC
Aden Partee specializes in life insurance needs analysis, helping clients identify coverage gaps and balance premium costs with necessary protection. Based in Simpsonville, SC, he offers flat-fee financial planning ranging from $500 to $5,000 and serves both individual and high-net-worth clients through JEHM Wealth & Retirement, LLC, which uses a blend of fundamental and technical analysis for portfolio management.
Experience: 2 years
Avg account: $340,025
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Don L
CFP®, Series 63, Series 66, Series 65
Mesa, AZ
Larson Wealth Management, LLC
Don Larson specializes in life insurance needs analysis, helping clients identify coverage gaps and balance premium costs with necessary protection. With 19 years of experience and CFP® certification, he offers flat-fee, non-discretionary asset management through his independent firm, Larson Wealth Management, serving high-net-worth individuals and institutional clients in Mesa, AZ.
Experience: 20 years
Avg account: $196,625
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Malissa M
Series 65
Hot Springs, AR
Black Knight Wealth Management, LLC
Malissa Mc Nanna specializes in life insurance needs analysis, helping clients identify coverage gaps and balance premium costs with necessary protection. Based in Hot Springs, AR, she offers flat-fee financial planning up to $10,000 and serves both individual and high-net-worth clients through Black Knight Wealth Management, which provides discretionary portfolio management and monthly reviews, distinguishing her with a comprehensive investment approach alongside insurance expertise.
Experience: 5 years
Avg account: $1,214,458
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Gregory S
Series 63, Series 66
Atlanta, GA
Smarr Financial Services Inc.
Gregory Smarr specializes in life insurance needs analysis, disability, and long-term care insurance, making him well-equipped to assess coverage gaps and policy overlaps for clients in the US. Operating independently with a flat-fee structure, he offers personalized financial planning from his Atlanta-based firm, Smarr Financial Services, leveraging 20 years of experience and a long-term investment approach that balances fundamental analysis with moderate trading.
Experience: 20 years
Avg account: $610,840
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Jacob B
Series 63, Series 66
Forsyth, GA
Binnerinvestments
Jacob Binner specializes in life insurance needs analysis, helping clients identify coverage gaps and balance premium costs with necessary protection. Operating from Forsyth, GA, he offers flat-fee, independent advice and brings experience from major firms like Fidelity and Merrill Lynch, focusing on individuals and high-net-worth clients with a long-term investment approach.
Experience: 4 years
Avg account: $640,000
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