Insurance is the part of the plan people would rather not think about. It’s also the part that decides whether decades of careful work hold up when things go wrong.
As Insurance Specialist at Finivi, I advise our clients on the insurance side of their financial lives. I start with the questions that matter: what would this household need, and for how long, if income stopped, health failed, or a major asset was lost. From there I review what’s in place, identify where the real exposures are, and guide clients through the decisions that will close the gap.
Insurance needs change as lives do, so I check in on coverage regularly to make sure it still fits.
My Story
My family moved from Dorchester to Bellingham in 1960, when the Massachusetts suburbs were still being built. I grew up there, one of four sisters, and married my high school sweetheart, Robert, in 1978.
The late seventies were not a forgiving decade for a young couple starting out. Gas shortages, a recession, and few opportunities close to home led us to Houston in 1979, where the work was. We stayed nearly ten years. Watching an economy expand and then contract in real time, and seeing how families around us made decisions in both environments, shaped the way I think about money to this day. When the oil crisis slowed things down at the end of the eighties, we came home to Massachusetts.
In 1990 I joined a local John Hancock office, and the work suited me from the start. I listened. I learned where people were in their lives, what their financial picture looked like, what they were working toward, what worried them, and what kept them up at night. Then I helped them find their way forward. Thirty-five years later, that’s still the work I do.
Professional Background
My focus is protection. What a family would need if an income stopped. What an illness or an injury would cost them. Whether the coverage already in place would do what they expect it to do when they need it.
The business has changed a great deal over my career. Insurance used to be sold. Now it is reviewed, coordinated with everything else a client has, and revisited when life changes. That is a better way to do it, and it is how I work. I work alongside the rest of the Finivi team, and protection comes into a client’s planning as one piece of a much larger picture.
The pandemic was one of the busiest stretches of my career. People were reassessing everything, and questions they had put off for years suddenly could not wait. What do I actually have. Would it be enough. Who would this fall to. I spent that period doing more listening than anything else, and it confirmed something I already believed: the value of this is not the policy. It is having someone to call who knows your situation.
I have worked with several generations of the same families. That has a way of reminding you what is being placed in your hands.
Personal Pursuits
Animals have always had my heart, and I support several causes on their behalf. Beyond that, I cook, I read, I keep music playing, and I travel whenever I’m able.
