Wealth Management and Insurance, built around your life
Whether you need investment guidance, retirement income planning, Medicare help, or protection coverage, our team brings the clarity to drive confident decisions.
Studies show that 1 in 2 Americans are underinsured — not because they haven't tried, but because they've never had someone look at their full picture and tell them honestly what's missing. Here's what most people haven't thought through:
Long-term care: 70% of people over 65 will need it. The average cost exceeds $100,000 per year. Medicare pays almost nothing. Most families find this out when it's already too late to plan.
Medicare: Enrollment has a hard deadline — and permanent penalties for missing it. Most people navigate it alone, under time pressure, for the first time, without independent guidance.
Life insurance: Americans are underinsured by an average of $200,000. Premiums increase significantly with age, and health changes can make coverage unavailable entirely. The best time to have this conversation is always earlier than you think.
Nobody walks you through this until after the fact. Our insurance team exists to change that — starting with a complimentary Confidential Analysis, no pressure, no pitch.
OverviewTwo disciplines. One Integrated team.
For too many people, a financial plan isn't really a plan at all — it's the accidental result of individual decisions made with different advisors at different times. Ascent Advisors brings those pieces together. Whether you need us in one area or both, our team delivers the clarity that turns disconnected decisions into a confident, coordinated strategy.
Wealth management ~ Why it Matters
The questions most people haven’t answered yet
If Wealth Management sounds like something for people wealthier than you, It isn't. It's a set of connected decisions — about income, taxes, investments, and legacy — that every person approaching or in retirement needs to think through. Most people have never had anyone bring it all together for them.
The average person spends more time planning a vacation than planning their retirement income. Not because they don't care — but because nobody has ever sat down with them, in plain language, and shown them what the real questions are and what's at stake if they go unanswered. That's exactly what our wealth management team does.
Insurance planning ~ Why it Matters
Protection isn’t an afterthought. It’s a Foundation
People buy insurance reactively — when they have to, when someone sells it to them, or after something bad has already happened. The clients who are best protected are the ones who made thoughtful, proactive decisions about coverage before they needed it.
Not sure where to start?
A free 30-minute consultation helps us understand where you are and point you toward the right conversation.
PROTECTION PLANNING
For early retirees and working adults
MNSure / ACA marketplace plans
Long-term care (traditional & hybrid)
Disability income coverage
Critical illness insurance
Annuities and income protection
LIFE, LEGACY & ESTATE
For families and business owners
Term and permanent life insurance
Final expense coverage
Estate liquidity and legacy planning
Buy-sell agreement funding
Key person coverage
*For Medicare, senior health, and supplemental coverage, Ascent Advisors partners with American Senior Benefits — an Integrity Company. Our ASB-affiliated brokers are independent, which means they compare plans across dozens of top-rated carriers to find what's right for you — not what pays the most commission.
InsuranceThree Lines of Coverage. One Coordinated team.
Insurance is never sold in isolation at Ascent Advisors. Every coverage recommendation is integrated with your financial plan, business structure, and estate goals — so protection actually does what it's supposed to when it matters most.
MEDICARE & SENIOR HEALTH*
For clients near or in Medicare
Medicare Advantage (Part C)
Medicare Supplement (Medigap)
Part D prescription drug plans
Dental, vision, and hearing coverage
Enrollment timing and penalty guidance
Professional Asset Management and Financial Planning built around your goals.
We are a Registered Investment Advisor (RIA) registered with the SEC. As fiduciaries, we are legally and ethically obligated to put your interests first — always. Our team brings institutional-grade investment research and a depth of planning designations to every client relationship.
Institutional-grade research, brought to every client portfolio
Ascent Advisors partners with Van Eck, a recognized leader in institutional investment guidance and research, to help craft and inform our client portfolios. Van Eck's depth of market intelligence — typically reserved for institutional investors — is built into the way we construct and manage every portfolio we oversee.
Wealth ManagementINVESTMENT PARTNER
Van Eck
Institutional-level research and portfolio guidance
IN-HOUSE EXPERTISE
CFA on Staff
Works directly with advisors, clients, and Van Eck
FIDUCIARY STANDARD
100% of the time
Your interest, not our commissions
Three service models — designed around you, not us
Financial planning is not a product. It is the backbone of how we approach every client relationship. We've built three distinct service models so that the way we work together makes the most sense for your situation — not just what's most convenient for us.
TRANSACTIONAL
Investment & insurance guidance
For specific accounts or coverage needs
Investment and insurance recommendations on specific accounts
Advice based on information provided
Annual review meeting on products or accounts we oversee
Access to the full Ascent team
No ongoing retainer required
FINANCIAL PLANNING
Most Comprehensive
For clients who want a complete plan, generally encompassing transactional and Investment Advisory
Written, integrated financial plan built around your goals
2–4 meetings per year
Tax, estate, income, and insurance coordination
eMoney planning platform access
Ongoing advisor relationship
INVESTMENT ADVISORY
Proactive Investment Management
For advisory account holders
Proactive, ongoing investment advice on advisory accounts
1–2 meetings per year
Portfolio construction informed by Van Eck research
CFA oversight on portfolio decisions
How We Engage