Top advisors focused on life insurance needs analysis 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.
You need a life insurance needs analysis advisor when you're unsure if your current coverage matches your financial goals or family needs. Without a clear assessment, you might pay for unnecessary coverage or leave gaps that expose you to risk. The top matches here often help you understand the right amount and type of insurance for your situation.
- Coverage gap identification. Ask how they evaluate your existing policies against your income, debts, and future expenses to spot any shortfalls.
- Policy type guidance. Confirm they explain differences between term, whole, and universal life insurance and recommend what fits your goals.
- Cost versus benefit balance. Look for advisors who help you weigh premiums against coverage benefits to avoid overpaying or underinsuring.
- Integration with financial plan. Ensure they consider how life insurance fits with your retirement, estate, and tax strategies, not just as standalone protection.
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
Simpsonville, SC
JEHM Wealth & Retirement, LLC
Aden Partee specializes in life insurance needs analysis, helping clients assess coverage gaps and balance cost versus benefits, supported by his CFP® certification and Series 65 designation. Operating from Simpsonville, SC, he offers flat-fee financial planning with negotiable rates, serving both individual and high-net-worth clients through JEHM Wealth & Retirement, LLC, which employs a blend of fundamental and technical portfolio strategies.
Experience: 2 years
Avg account: $555,542
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Don L
CFP®, Series 63, Series 65, Series 66
Mesa, AZ
Larson Wealth Management, LLC
Don Larson specializes in life insurance needs analysis, helping clients identify coverage gaps and balance cost versus benefit within their broader financial plans. With 20 years of experience, CFP® certification, and a flat-fee structure, he serves a diverse clientele including high-net-worth individuals and family offices from Mesa, AZ, offering customized asset allocation and a blend of fundamental and technical portfolio analysis.
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 cost versus benefit within their financial plans. Based in Hot Springs, AR, she offers flat-fee and negotiable hourly financial planning services through Black Knight Wealth Management, which serves both individual and high-net-worth clients with discretionary portfolio management and personalized investment strategies.
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 and recommend appropriate coverage for your financial goals. Operating independently with a flat-fee structure, he serves a diverse clientele including high net-worth individuals and trusts, and employs a fundamental, long-term investment approach, distinguishing him from advisors with different fee models or narrower client focuses.
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 assess coverage gaps and balance cost versus benefit within their financial plans. With Series 63 and 66 credentials and experience at Fidelity, Merrill Lynch, and E*Trade, he offers flat-fee, independent advisory services from Forsyth, GA, focusing on individuals and high-net-worth clients with a long-term investment approach.
Experience: 3 years
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