Top umbrella liability 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 have significant assets or face risks that could exceed your standard insurance limits, you need an umbrella liability advisor to help protect your financial safety net. Without proper coverage, a single lawsuit or claim could expose you to large out-of-pocket costs that standard policies don’t cover.
- Coverage gap analysis. Confirm how the advisor identifies risks beyond your existing policies to ensure your umbrella policy fills those gaps effectively.
- Policy layering strategy. Ask how they coordinate umbrella liability with your home, auto, and other insurance to avoid overlaps or holes in protection.
- Claim scenario planning. A strong advisor will walk you through potential claim examples to illustrate how umbrella coverage responds in real situations.
- Asset protection focus. Look for advisors who consider your entire financial picture, including investments and business interests, when recommending coverage limits.
Here are top matches to get you started. Review each profile to compare experience, credentials, and approach.
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Scott E
Series 63, Series 65
Grand Rapids, MI
Merrill
Scott Eccker specializes in umbrella liability, offering expertise in retirement income strategy and wealth management, which supports comprehensive asset protection beyond standard insurance. Based in Grand Rapids, MI, he brings 45 years of experience at Merrill, a large firm, and serves professionals like attorneys and business owners, charging a 1.10% AUM fee for managed strategies under $2 million, distinguishing him with a seasoned approach and multi-generational client relationships.
Experience: 45 years
Avg account: $860,085
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Kirsten H
CFA®
Anchorage, AK
Alaska Wealth Advisors
Kirsten Halpin specializes in umbrella liability, making her well-equipped to help clients in the US protect against risks exceeding standard insurance limits. Based in Anchorage, AK, she is a CFA® charterholder at Alaska Wealth Advisors, a firm managing over $1 billion with a long-term, risk-managed investment approach, serving high-net-worth clients independently with negotiable fees up to 1.5% annually.
Experience: 0 years
Avg account: $1,704,461
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Spencer H
CFP®, Series 66
Upper Arlington, OH
Spencer Hawkins Investment Adviser, LLC
Spencer Hawkins specializes in umbrella liability and business ownership considerations, making him well-equipped to address complex asset protection needs beyond standard insurance limits. With 22 years of experience, CFP® certification, and a flat-fee financial planning structure, he offers independent advice from Upper Arlington, OH, combining insurance expertise through his agency with a disciplined, tax-aware investment approach tailored for business owners and individuals alike.
Experience: 22 years
Avg account: $210,617
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Anthony C
CFP®, ChFC®, Series 66
Andover, MA
Zen Financial Planning, LLC
Anthony Corsino Jr. specializes in umbrella liability, offering expertise in wealth management and retirement income strategy, which supports comprehensive asset protection beyond standard insurance. Based in Andover, MA, he provides flat-fee financial planning and combines fundamental, technical, and cyclical investment analysis, distinguishing him from others by integrating detailed risk assessment with customized strategies for individuals, families, and business owners.
Experience: 7 years
Avg account: $641,249
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Leah B
Series 65
Washington, DC
Bryspen, Incorporated
Leah Bryan specializes in umbrella liability, making her well-equipped to help clients in the US protect against risks exceeding standard insurance limits. With 23 years of experience at Bryspen, Incorporated, she serves high-net-worth individuals using a fundamental, analytical investment approach and offers flat-fee and hourly pricing options, distinguishing her from advisors who may focus solely on asset-based fees or less tailored strategies.
Experience: 23 years
Avg account: $5,310,150
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