Risk Management Risk management is intended to manage financial and other losses potentially associated with risks to your assets, business, or health. Estate Planning Estate planning creates a master plan for the management of your property during life and the distribution of that property at death. Retirement Planning Retirement planning involves evaluating your current financial standing and creating an accumulation strategy helping to ensure a desired retirement lifestyle. Business Planning Business planning focuses on issues specific to business owners and shareholders. For business owners, the business is their most significant asset.