Community Risk Advisors' Approach to Risk Management As a Financial Planner and Accredited Wealth Management Advisor (AWMA®) designee, I work as the overall financial advisor with my clients. The first step as an advisor is to manage risk. As an independent agent, I have established long-term, solid relationships with some of the top national and regional carriers in the industry for various types of insurance. My experienced team can provide comprehensive insurance solutions and service for Life, Disability, Long Term Care, Commercial P&C, Worker’s Compensation, and Home & Auto.Insurance provides the mechanism to protect against the unexpected and the eventual. My team works with insurance brokerage firms who specialize in each of these types of insurance. Our role is to coordinate your coverage (and policies) to make sure you do not have gaps and overlaps in your coverage or the potential for unprotected catastrophic loss.For you, our client, this provides competitive pricing, coverage options and confidence that the company providing your insurance coverage meets the highest standards.