Insurance planning is a crucial component of a sound financial plan. At K.Fino Financial, we incorporate insurance planning into the overall financial planning process. We’ll help you understand the difference between business, individual, or family coverage so that you have the proper insurance, designed for each specific need. K.Fino Financial prides itself on providing professional guidance for the legacy planning process, as well as the retirement income creation process. This involves using the living benefits/cash value of a hybrid life insurance policy. This strategy isn’t a fit for every single individual, but it can be a great source of income if planned correctly.