[et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” _builder_version=”4.16″ background_color=”#ccd6df” use_background_color_gradient=”on” background_color_gradient_type=”circular” background_color_gradient_stops=”rgba(0,0,0,0.62) 0%|rgba(0,0,0,0.6) 100%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(0,0,0,0.62)” background_color_gradient_end=”rgba(0,0,0,0.6)” background_image=”http:\/\/knightwealthadvisors.com\/wp-content\/uploads\/2022\/11\/knight-wealth-risk-management.png” custom_padding=”150px||150px||false|false” custom_padding_tablet=”125px||125px||true|false” custom_padding_phone=”75px||75px||true|false” bottom_divider_style=”arrow3″ bottom_divider_color=”#575757″ bottom_divider_height=”30px” bottom_divider_repeat=”2x” bottom_divider_flip=”horizontal” bottom_divider_repeat_tablet=”” bottom_divider_repeat_phone=”1.5x” bottom_divider_repeat_last_edited=”on|phone” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ width=”55%” width_tablet=”85%” width_phone=”” width_last_edited=”on|phone” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ header_font=”|600|||||||” header_font_size=”60px” header_2_font=”|600|||||||” header_2_font_size=”40px” header_4_font=”Lato|700||on|||||” header_4_text_color=”#b4a69d” header_4_font_size=”22px” header_4_line_height=”1.8em” text_orientation=”center” background_layout=”dark” custom_margin=”||0px||false|false” custom_padding=”||10px||false|false” header_font_size_tablet=”56px” header_font_size_phone=”48px” header_font_size_last_edited=”on|phone” header_4_font_size_tablet=”” header_4_font_size_phone=”20px” header_4_font_size_last_edited=”on|tablet” header_text_shadow_style=”preset2″ header_text_shadow_horizontal_length=”0.04em” header_text_shadow_vertical_length=”0.04em” header_text_shadow_color=”rgba(0,0,0,0.3)” header_4_text_shadow_style=”preset2″ header_4_text_shadow_color=”rgba(0,0,0,0.13)” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ background_color=”#575757″ custom_margin=”-14px|0px|0px|0px|false|false” custom_padding=”0px|0px|0px|0px|false|false” saved_tabs=”all” locked=”off” global_colors_info=”{}”][et_pb_row column_structure=”1_5,1_5,1_5,1_5,1_5″ use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” _builder_version=”4.27.4″ width=”100%” width_tablet=”100%” width_phone=”100%” width_last_edited=”on|desktop” max_width=”100%” custom_margin=”0px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”1_5″ admin_label=”Link: Asset Management” _builder_version=”4.16″ background_color=”#575757″ custom_padding=”36px|15px|36px|15px|true|false” custom_padding_tablet=”25px||25px||true|false” custom_padding_phone=”|15px||15px|true|false” custom_padding_last_edited=”on|phone” link_option_url=”\/asset-management” global_colors_info=”{}” background__hover_enabled=”on|hover” background_color__hover=”rgba(204,214,223,0.6)” background_enable_color__hover=”on”][et_pb_text _builder_version=”4.16″ text_font=”Lato|900||on|||||” text_font_size=”15px” text_letter_spacing=”1px” text_orientation=”center” background_layout=”dark” global_colors_info=”{}”]Asset Management[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_5″ admin_label=”Link: Risk Management” _builder_version=”4.16″ background_color=”#ccd6df” custom_padding=”36px|15px|36px|15px|true|false” custom_padding_tablet=”25px||25px||true|false” custom_padding_phone=”|15px||15px|true|false” custom_padding_last_edited=”on|phone” box_shadow_style=”preset6″ global_colors_info=”{}” background__hover_enabled=”on|hover”][et_pb_text _builder_version=”4.16″ text_font=”Lato|900||on|||||” text_text_color=”#575757″ text_font_size=”15px” text_letter_spacing=”1px” text_orientation=”center” background_layout=”dark” link_option_url=”https:\/\/knightwealthadvisors.com\/risk-management\/” global_colors_info=”{}”]Risk Management[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_5″ admin_label=”Link: Money Management” _builder_version=”4.16″ custom_padding=”25px|15px|25px|15px|false|false” custom_padding_tablet=”25px||25px||true|false” custom_padding_phone=”|15px||15px|true|false” custom_padding_last_edited=”on|desktop” link_option_url=”\/money-management\/” global_colors_info=”{}” background_enable_color__hover=”on” background_color__hover=”rgba(204,214,223,0.6)” background__hover_enabled=”on|desktop”][et_pb_text _builder_version=”4.16″ text_font=”Lato|900||on|||||” text_text_color=”#ffffff” text_font_size=”15px” text_letter_spacing=”1px” text_orientation=”center” background_layout=”dark” link_option_url=”https:\/\/knightwealthadvisors.com\/money-management\/” global_colors_info=”{}” background_color__hover=”rgba(0,0,0,0)” background_enable_color__hover=”on”]Foundation & Institutional Money Management[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_5″ admin_label=”Link: Family Wealth Legacy” _builder_version=”4.27.4″ custom_padding=”36px|15px|36px|15px|false|false” custom_padding_tablet=”25px||25px||true|false” custom_padding_phone=”|15px||15px|true|false” custom_padding_last_edited=”on|desktop” link_option_url=”\/family-wealth-legacy\/” global_colors_info=”{}” background_enable_color__hover=”on” background_color__hover=”rgba(204,214,223,0.6)” background__hover_enabled=”on|desktop”][et_pb_text _builder_version=”4.27.4″ text_font=”Lato|900||on|||||” text_text_color=”#ffffff” text_font_size=”15px” text_letter_spacing=”1px” text_orientation=”center” background_layout=”dark” link_option_url=”https:\/\/knightwealthadvisors.com\/family-wealth-legacy\/” global_colors_info=”{}”]Family Wealth Legacy[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_5″ admin_label=”Link: Getting Prepared” _builder_version=”4.16″ custom_padding=”36px|15px|36px|15px|true|false” custom_padding_tablet=”25px||25px||true|false” custom_padding_phone=”|15px||15px|true|false” custom_padding_last_edited=”on|phone” link_option_url=”\/getting-prepared\/” global_colors_info=”{}” background_enable_color__hover=”on” background_color__hover=”rgba(204,214,223,0.6)” background__hover_enabled=”on|desktop”][et_pb_text _builder_version=”4.16″ text_font=”Lato|900||on|||||” text_text_color=”#ffffff” text_font_size=”15px” text_letter_spacing=”1px” text_orientation=”center” background_layout=”dark” link_option_url=”https:\/\/knightwealthadvisors.com\/getting-prepared\/” global_colors_info=”{}”]Getting Prepared[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ background_color=”#ffffff” custom_padding=”100px||100px||false|false” border_width_bottom=”20px” border_color_bottom=”rgba(204,214,223,0.2)” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ custom_padding_last_edited=”off|desktop” _builder_version=”4.16″ custom_padding_tablet=”||80px||false|false” custom_padding_phone=”80px||50px||false|false” background_color_gradient_direction_tablet=”180deg” background_color_gradient_stops_tablet=”#2b87da 70%|#29c4a9 70%” background_color_gradient_start_position_tablet=”70%” background_color_gradient_end_position_tablet=”70%” global_colors_info=”{}” custom_padding__hover_enabled=”off|desktop”][et_pb_column type=”1_2″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ header_2_font=”|600|||||||” header_2_font_size=”40px” header_4_font=”Lato|700||on|||||” header_4_text_color=”#b4a69d” header_4_font_size=”16px” custom_margin=”||0px||false|false” custom_padding=”||20px||false|false” header_4_line_height_tablet=”” header_4_line_height_phone=”1.3em” header_4_line_height_last_edited=”on|phone” global_colors_info=”{}” custom_padding__hover_enabled=”off|desktop”]<\/p>\n
[\/et_pb_text][et_pb_text _builder_version=”4.27.4″ header_2_font=”|600|||||||” header_2_font_size=”38px” header_4_font=”ABeeZee|||on|||||” global_colors_info=”{}”]We lead with listening. While market volatility can be unsettling, it isn\u2019t the same as risk. Volatility is the market\u2019s ups and downs; risk is what can derail your goals. In our experience, the greatest risks often come from life\u2019s uncontrollable events\u2014so we start by understanding what matters most to you and where your plan may be vulnerable.[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ header_2_font=”|600|||||||” header_2_font_size=”38px” header_4_font=”ABeeZee|||on|||||” global_colors_info=”{}”]To us, true risk is straightforward: dying too soon, living longer than your assets, or facing a significant illness. Managing portfolio fluctuations is important, but a comprehensive plan goes further\u2014balancing growth, liquidity, and protection to help safeguard your family, your income, and your long\u2011term lifestyle.<\/p>\n
From there, we gather your goals, review existing coverage and income sources, and stress\u2011test your plan to identify gaps. Then we recommend tailored solutions and coordinate implementation so your strategy aligns with your unique circumstances. Below are some of the tools we may use to address these risks.[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ background_enable_color=”off” z_index=”11″ custom_padding=”0px|0px|0px|0px|false|false” border_width_top=”6px” border_color_top=”#ffffff” border_width_bottom=”6px” border_color_bottom=”#ffffff” box_shadow_style=”preset1″ box_shadow_vertical=”0px” box_shadow_blur=”12px” global_colors_info=”{}”][et_pb_row column_structure=”2_5,3_5″ use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” _builder_version=”4.16″ width=”100%” max_width=”100%” custom_padding=”0px|0px|0px|0px|false|false” global_colors_info=”{}”][et_pb_column type=”2_5″ _builder_version=”4.16″ background_image=”http:\/\/knightwealthadvisors.com\/wp-content\/uploads\/2020\/05\/Risk-Management-Disability-Insurance.jpeg” custom_padding=”200px||200px||false|false” custom_padding_tablet=”100px||200px||false|false” custom_padding_phone=”||100px||false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”][et_pb_image _builder_version=”4.16″ custom_margin=”-25px|-25px||25px|false|false” custom_margin_tablet=”20px|||-25px|false|false” custom_margin_phone=”|-15px||-15px|false|false” custom_margin_last_edited=”on|phone” scroll_vertical_motion_enable=”on” scroll_vertical_motion=”0|50|50|100|0.5|0|-0.5″ scroll_vertical_motion_tablet=”0|50|50|100|0.4|0|-0.4″ scroll_vertical_motion_phone=”0|50|50|100|0|0|0″ scroll_vertical_motion_last_edited=”on|tablet” box_shadow_style=”preset2″ box_shadow_horizontal=”4px” box_shadow_vertical=”4px” box_shadow_blur=”12px” box_shadow_color=”rgba(0,0,0,0.2)” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.16″ background_color=”#01305f” custom_padding=”100px|12%|100px|5%|false|false” custom_padding_tablet=”80px|80px|100px|80px|false|false” custom_padding_phone=”|50px||50px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ header_2_font=”|600|||||||” header_2_font_size=”40px” header_4_font=”Lato|900||on|||||” header_4_text_color=”#b4a69d” header_4_font_size=”16px” header_4_line_height=”1.4em” background_layout=”dark” custom_margin=”||0px||false|false” custom_padding=”||||false|false” header_4_line_height_tablet=”” header_4_line_height_phone=”1.3em” header_4_line_height_last_edited=”on|phone” inline_fonts=”Lato” global_colors_info=”{}” custom_padding__hover_enabled=”off|desktop”]<\/p>\n
Disability insurance protects your most important asset\u2014your income\u2014if an illness or injury keeps you from working. The risk is more common than many expect: roughly 1 in 4 20\u2011year\u2011olds will experience a disability before retirement, about a third of workers face a short\u2011term disability of 90 days or more, and the average claim lasts around 13 months. Disabilities contribute to far more mortgage foreclosures than death, yet only about 40% of workers have coverage.<\/p>\n
We help you think beyond market volatility to the practical question: how will your mortgage, bills, and everyday expenses be paid if your paycheck stops? Our review looks at employer plans and individual policies, including benefit amount and duration, elimination periods, \u201cown\u2011occupation\u201d definitions, riders (such as residual\/partial disability and cost\u2011of\u2011living adjustments), portability, and the tax treatment of benefits\u2014so coverage aligns with your actual needs.<\/p>\n
As part of our risk management process, we audit your existing protection, identify gaps, and recommend right\u2011sized solutions that integrate with your broader plan and cash reserves. Then we coordinate the details\u2014from carrier selection to underwriting\u2014so you\u2019re protected with clarity and confidence. Sources: Council for Disability Awareness; National Endowment for Financial Education.<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ background_color=”#ffffff” custom_padding=”0px|0px|0px|0px|false|false” top_divider_height=”60px” top_divider_repeat=”0x” top_divider_flip=”vertical” top_divider_arrangement=”above_content” bottom_divider_height=”60px” bottom_divider_flip=”horizontal” bottom_divider_arrangement=”above_content” border_width_top=”20px” border_color_top=”rgba(204,214,223,0.5)” border_width_bottom=”20px” border_color_bottom=”rgba(204,214,223,0.5)” box_shadow_style=”preset1″ box_shadow_vertical=”0px” box_shadow_blur=”12px” box_shadow_color=”rgba(0,0,0,0.16)” locked=”off” global_colors_info=”{}”][et_pb_row column_structure=”3_5,2_5″ use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” _builder_version=”4.16″ width=”100%” max_width=”100%” custom_padding=”0px|0px|0px|0px|false|false” global_colors_info=”{}”][et_pb_column type=”3_5″ _builder_version=”4.16″ background_color=”rgba(204,214,223,0.36)” custom_padding=”100px|5%|100px|12%|false|false” custom_padding_tablet=”100px|80px|80px|80px|false|false” custom_padding_phone=”|50px||50px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ header_2_font=”|600|||||||” header_2_font_size=”40px” header_4_font=”Lato|900||on|||||” header_4_text_color=”#b4a69d” header_4_font_size=”16px” header_4_line_height=”1.4em” custom_margin=”||0px||false|false” custom_padding=”||20px||false|false” header_4_line_height_tablet=”” header_4_line_height_phone=”1.3em” header_4_line_height_last_edited=”on|phone” locked=”off” inline_fonts=”Lato” global_colors_info=”{}” custom_padding__hover_enabled=”off|desktop”]<\/p>\n
Long-term care insurance helps protect your lifestyle and savings from the high cost of extended care that traditional health insurance and Medicare often don\u2019t cover. Many Americans will need some level of care in later life, with out-of-pocket costs averaging around $140,000 per year. While most people require care for less than two years, approximately 14% need care for five years or more\u2014an extended need that can quickly erode assets.<\/p>\n
While there are many choices and ways to structure a solid long\u2011term care plan, we make the decision simple. We listen to your goals, outline clear options (traditional and hybrid policies), explain trade\u2011offs in plain language, and right\u2011size benefits and inflation protection to fit your budget. We design coverage to complement your other resources\u2014Social Security, pensions, investments\u2014so you\u2019re protected without overinsuring.<\/p>\n
From there, we assess potential care scenarios, review any existing coverage, compare carriers, and coordinate implementation and tax considerations within your overall financial plan. We revisit the strategy over time to keep it aligned as your needs evolve. Sources: Urban Institute; U.S. Department of Health and Human Services.[\/et_pb_text][et_pb_text disabled_on=”on|on|on” _builder_version=”4.16″ _module_preset=”default” disabled=”on” global_colors_info=”{}”]<\/p>\n
These policies have exclusions and\/or limitations. The cost and availability of Long Term Care insurance depend on factors such as age, health, and the type and amount of insurance purchased. As with most financial decisions, there are expenses associated with the purchase of Long Term Care insurance. Guarantees are based on the claims paying ability of the insurance company.<\/em><\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”2_5″ _builder_version=”4.16″ background_image=”http:\/\/knightwealthadvisors.com\/wp-content\/uploads\/2020\/05\/Risk-Management-Long-term-care-insurance.jpeg” custom_padding=”200px||200px||false|false” custom_padding_tablet=”100px||200px||false|false” custom_padding_phone=”||100px||false|false” custom_padding_last_edited=”on|tablet” global_colors_info=”{}”][et_pb_image _builder_version=”4.16″ custom_margin=”-25px|-25px||25px|false|false” custom_margin_tablet=”20px|||-25px|false|false” custom_margin_phone=”|-15px||-15px|false|false” custom_margin_last_edited=”on|phone” scroll_vertical_motion_enable=”on” scroll_vertical_motion=”0|50|50|100|0.5|0|-0.5″ scroll_vertical_motion_tablet=”0|50|50|100|0.4|0|-0.4″ scroll_vertical_motion_phone=”0|50|50|100|0|0|0″ scroll_vertical_motion_last_edited=”on|tablet” box_shadow_style=”preset2″ box_shadow_horizontal=”4px” box_shadow_vertical=”4px” box_shadow_blur=”12px” box_shadow_color=”rgba(0,0,0,0.2)” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ background_enable_color=”off” custom_padding=”0px|0px|0px|0px|false|false” box_shadow_style=”preset1″ box_shadow_vertical=”0px” box_shadow_blur=”12px” box_shadow_color=”rgba(0,0,0,0.15)” locked=”off” global_colors_info=”{}”][et_pb_row column_structure=”2_5,3_5″ use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” _builder_version=”4.16″ width=”100%” max_width=”100%” custom_padding=”0px|0px|0px|0px|false|false” global_colors_info=”{}”][et_pb_column type=”2_5″ _builder_version=”4.16″ background_image=”http:\/\/knightwealthadvisors.com\/wp-content\/uploads\/2020\/05\/Risk-Management-Life-Insurance.jpeg” custom_padding=”200px||200px||false|false” custom_padding_tablet=”100px||200px||false|false” custom_padding_phone=”||100px||false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”][et_pb_image _builder_version=”4.16″ custom_margin=”-25px|-25px||25px|false|false” custom_margin_tablet=”20px|||-25px|false|false” custom_margin_phone=”|-15px||-15px|false|false” custom_margin_last_edited=”on|phone” scroll_vertical_motion_enable=”on” scroll_vertical_motion=”0|50|50|100|0.5|0|-0.5″ scroll_vertical_motion_tablet=”0|50|50|100|0.4|0|-0.4″ scroll_vertical_motion_phone=”0|50|50|100|0|0|0″ scroll_vertical_motion_last_edited=”on|tablet” box_shadow_style=”preset2″ box_shadow_horizontal=”4px” box_shadow_vertical=”4px” box_shadow_blur=”12px” box_shadow_color=”rgba(0,0,0,0.2)” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.16″ background_color=”#ffffff” custom_padding=”100px|12%|100px|5%|false|false” custom_padding_tablet=”80px|80px|100px|80px|false|false” custom_padding_phone=”|50px||50px|false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ header_2_font=”|600|||||||” header_2_font_size=”40px” header_4_font=”Lato|900||on|||||” header_4_text_color=”#b4a69d” header_4_font_size=”16px” header_4_line_height=”1.4em” custom_margin=”||0px||false|false” custom_padding=”||20px||false|false” header_4_line_height_tablet=”” header_4_line_height_phone=”1.3em” header_4_line_height_last_edited=”on|phone” inline_fonts=”Lato” global_colors_info=”{}” custom_padding__hover_enabled=”off|desktop”]<\/p>\n Life insurance protects the people and priorities that depend on you. It can replace income to cover everyday expenses and debts, create a legacy for loved ones or philanthropy, and, when appropriate, provide tax\u2011advantaged cash value you may access later in life. While 54% of U.S. adults own life insurance, about 41% rely only on group coverage\u2014which is often insufficient and not portable.<\/p>\n Because there are many ways to structure coverage, we make the decisions clear and manageable. We start with your goals and time horizon, size the right amount of protection, and compare term and permanent options (such as whole and universal life) along with relevant riders. We explain costs, guarantees, and flexibility in plain language and coordinate coverage with your employer benefits, estate plans, and tax considerations.<\/p>\n From there, we review any existing policies for performance, ownership, and beneficiaries; identify gaps; evaluate laddering and conversion opportunities; and implement a solution that fits your budget. We monitor over time\u2014adjusting as income, family needs, and interest rates change\u2014so your coverage stays aligned with your overall plan. Sources: LIMRA.[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ background_image=”http:\/\/knightwealthadvisors.com\/wp-content\/uploads\/2020\/04\/Financial-Advisors-windows-background-87white.jpg” parallax=”on” parallax_method=”off” custom_padding=”90px||90px||false|false” top_divider_height=”30px” top_divider_repeat=”2x” top_divider_repeat_tablet=”” top_divider_repeat_phone=”1.5x” top_divider_repeat_last_edited=”on|desktop” bottom_divider_style=”arrow3″ bottom_divider_color=”#575757″ bottom_divider_height=”30px” bottom_divider_repeat=”2x” bottom_divider_flip=”horizontal” bottom_divider_arrangement=”above_content” bottom_divider_repeat_tablet=”” bottom_divider_repeat_phone=”1.5x” bottom_divider_repeat_last_edited=”on|phone” border_width_top=”20px” border_color_top=”rgba(204,214,223,0.2)” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ width=”60%” width_tablet=”85%” width_phone=”” width_last_edited=”on|phone” custom_padding=”||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ header_2_font=”|600|||||||” header_2_font_size=”40px” header_4_font=”Lato|700||on|||||” header_4_text_color=”#b4a69d” header_4_font_size=”16px” text_orientation=”center” custom_margin=”||0px||false|false” custom_padding=”||10px||false|false” header_4_line_height_tablet=”” header_4_line_height_phone=”1.3em” header_4_line_height_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_image src=”http:\/\/knightwealthadvisors.com\/wp-content\/uploads\/2020\/04\/Knight_divider4.png” align=”center” _builder_version=”4.16″ width=”175px” locked=”off” global_colors_info=”{}”][\/et_pb_image][et_pb_text _builder_version=”4.16″ header_2_font=”|600|||||||” header_2_font_size=”38px” header_4_font=”Lato|||on|||||” header_4_text_color=”#b4a69d” text_orientation=”center” width=”85%” width_tablet=”100%” width_phone=”” width_last_edited=”on|phone” module_alignment=”center” global_colors_info=”{}”]<\/p>\n If we can provide you with better coverage after reviewing your personal situation, we will show you our plan. If your coverage meets your needs and is through a quality carrier at a better price, we will advise you to keep that coverage.\u00a0 All insurance review services are complimentary. We will not offer solutions that are not in the best interest of the people we serve.<\/p>\n [\/et_pb_text][et_pb_button button_url=”\/contact-us” button_text=”Contact Us” button_alignment=”center” button_alignment_tablet=”center” button_alignment_last_edited=”off|desktop” admin_label=”Button: About Us” _builder_version=”4.16″ custom_button=”on” button_text_size=”16px” button_text_color=”#01305f” button_border_width=”4px” button_border_color=”rgba(180,166,157,0.53)” button_border_radius=”0px” button_font=”Lato|700||on|||||” button_use_icon=”off” custom_padding=”7px|18px|7px|18px|false|false” locked=”off” global_colors_info=”{}” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#01305f” button_bg_enable_color__hover=”on” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#ffffff” button_border_color__hover_enabled=”on|hover” button_border_color__hover=”rgba(204,214,223,0.4)” custom_css_main_element__hover_enabled=”off|hover” custom_css_main_element_last_edited=”on|phone”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ disabled_on=”off|off|off” _builder_version=”4.16″ background_color=”#575757″ use_background_color_gradient=”on” background_color_gradient_stops=”#575757 0%|#424242 100%” background_color_gradient_start=”#575757″ background_color_gradient_end=”#424242″ custom_padding=”||||false|false” background_color_gradient_stops_tablet=”#575757 0%|#424242 100%” background_color_gradient_stops_phone=”#575757 0%|#424242 100%” global_module=”307″ saved_tabs=”all” global_colors_info=”{}”][et_pb_row column_structure=”1_5,1_5,1_5,1_5,1_5″ use_custom_gutter=”on” gutter_width=”2″ _builder_version=”4.16″ width=”90%” max_width=”100%” global_colors_info=”{}”][et_pb_column type=”1_5″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ header_4_font=”|700|||||||” background_layout=”dark” custom_margin=”||12px||false|false” custom_padding=”||||false|false” border_width_bottom=”1px” border_color_bottom=”#b4a69d” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.16″ text_line_height=”1.2em” link_text_color=”#ffffff” background_layout=”dark” custom_margin=”0px|0px|0px|0px|false|false” custom_padding=”|0px|10px|0px|false|false” global_colors_info=”{}”]Home<\/a>[\/et_pb_text][et_pb_text _builder_version=”4.16″ text_line_height=”1.2em” link_text_color=”#ffffff” background_layout=”dark” custom_margin=”0px|0px|0px|0px|false|false” custom_padding=”|0px|10px|0px|false|false” global_colors_info=”{}”]About Us<\/a>[\/et_pb_text][et_pb_text _builder_version=”4.16″ text_line_height=”1.2em” link_text_color=”#ffffff” background_layout=”dark” custom_margin=”0px|0px|0px|0px|false|false” custom_padding=”|0px|10px|0px|false|false” global_colors_info=”{}”]<\/p>\n Who We Serve<\/a><\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.16″ text_line_height=”1.2em” link_text_color=”#ffffff” background_layout=”dark” custom_margin=”0px|0px|0px|0px|false|false” custom_padding=”|0px|10px|0px|false|false” global_colors_info=”{}”]<\/p>\n Contact Us<\/a><\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.16″ text_line_height=”1.2em” link_text_color=”#ffffff” background_layout=”dark” custom_margin=”0px|0px|0px|0px|false|false” custom_padding=”|0px|10px|0px|false|false” global_colors_info=”{}”]<\/p>\n Our Process<\/a><\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ header_4_font=”|700|||||||” background_layout=”dark” custom_margin=”||12px||false|false” custom_padding=”||||false|false” border_width_bottom=”1px” border_color_bottom=”#b4a69d” locked=”off” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.16″ text_line_height=”1.2em” link_text_color=”#ffffff” background_layout=”dark” custom_margin=”0px|0px|0px|0px|false|false” custom_padding=”|0px|10px|0px|false|false” global_colors_info=”{}”]<\/p>\n Asset Management<\/a><\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.16″ text_line_height=”1.2em” link_text_color=”#ffffff” background_layout=”dark” custom_margin=”0px|0px|0px|0px|false|false” custom_padding=”|0px|10px|0px|false|false” global_colors_info=”{}”]<\/p>\n Risk Management<\/a><\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.16″ text_line_height=”1.2em” link_text_color=”#ffffff” background_layout=”dark” custom_margin=”0px|0px|0px|0px|false|false” custom_padding=”|0px|10px|0px|false|false” global_colors_info=”{}”]<\/p>\n Foundation & Institutional Money Management<\/a><\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.27.4″ text_line_height=”1.2em” link_text_color=”#ffffff” background_layout=”dark” custom_margin=”0px|0px|0px|0px|false|false” custom_padding=”|0px|10px|0px|false|false” global_colors_info=”{}”]<\/p>\n Family Wealth Legacy<\/a><\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.16″ text_line_height=”1.2em” link_text_color=”#ffffff” background_layout=”dark” custom_margin=”0px|0px|0px|0px|false|false” custom_padding=”|0px|10px|0px|false|false” global_colors_info=”{}”]<\/p>\n Getting Prepared<\/a><\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ header_4_font=”|700|||||||” background_layout=”dark” custom_margin=”||12px||false|false” custom_padding=”||||false|false” border_width_bottom=”1px” border_color_bottom=”#b4a69d” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.16″ text_line_height=”1.2em” link_text_color=”#ffffff” background_layout=”dark” custom_margin=”0px|0px|0px|0px|false|false” custom_padding=”|0px|10px|0px|false|false” global_colors_info=”{}”]<\/p>\n New to Financial Planning<\/a><\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.16″ text_line_height=”1.2em” link_text_color=”#ffffff” background_layout=”dark” custom_margin=”0px|0px|0px|0px|false|false” custom_padding=”|0px|10px|0px|false|false” global_colors_info=”{}”]<\/p>\n Wealth Building<\/a><\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.16″ text_line_height=”1.2em” link_text_color=”#ffffff” background_layout=”dark” custom_margin=”0px|0px|0px|0px|false|false” custom_padding=”|0px|10px|0px|false|false” global_colors_info=”{}”]<\/p>\n Pre-Retirement & Retirement<\/a><\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.16″ text_line_height=”1.2em” link_text_color=”#ffffff” background_layout=”dark” custom_margin=”0px|0px|0px|0px|false|false” custom_padding=”|0px|10px|0px|false|false” global_colors_info=”{}”]<\/p>\n Legacy Planning<\/a><\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.16″ text_line_height=”1.2em” link_text_color=”#ffffff” background_layout=”dark” custom_margin=”0px|0px|0px|0px|false|false” custom_padding=”|0px|10px|0px|false|false” global_colors_info=”{}”]<\/p>\n Business Owners & Entrepreneurs<\/a><\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_blurb image=”http:\/\/knightwealthadvisors.com\/wp-content\/uploads\/2020\/04\/Knight_location-lt.png” icon_placement=”left” image_icon_width=”50px” _builder_version=”4.16″ body_link_text_color=”#ffffff” background_layout=”dark” custom_margin=”||0px||false|false” custom_padding=”||20px||false|false” image_max_width=”50px” global_colors_info=”{}” body_link_text_color__hover=”#b4a69d” body_link_text_color__hover_enabled=”on|hover”]<\/p>\n 84 Plantation Dr. [\/et_pb_blurb][et_pb_blurb title=”Office Hours” image=”http:\/\/knightwealthadvisors.com\/wp-content\/uploads\/2020\/04\/Knight_hours-lt.png” icon_placement=”left” image_icon_width=”50px” _builder_version=”4.27.4″ header_font=”|700|||||||” body_link_text_color=”#ffffff” background_layout=”dark” custom_margin=”||0px||false|false” custom_padding=”||20px||false|false” custom_css_blurb_title=”padding-top: 8px;||padding-bottom: 2px” image_max_width=”50px” locked=”off” global_colors_info=”{}” body_link_text_color__hover_enabled=”on|hover” body_link_text_color__hover=”#b4a69d”]<\/p>\n Monday – Thursday Friday [\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_blurb title=”Phone:” image=”http:\/\/knightwealthadvisors.com\/wp-content\/uploads\/2026\/02\/Knight_telephoneIcon_footer.png” icon_placement=”left” image_icon_width=”50px” _builder_version=”4.27.4″ body_link_text_color=”#ffffff” background_layout=”dark” custom_margin=”||0px||false|false” custom_padding=”||20px||false|false” custom_css_blurb_title=”padding-top: 8px;||padding-bottom: 2px” image_max_width=”50px” global_colors_info=”{}” body_link_text_color__hover_enabled=”on|hover” body_link_text_color__hover=”#b4a69d”]<\/p>\n 270.744.5191<\/a><\/p>\n [\/et_pb_blurb][et_pb_blurb title=”Text:” image=”http:\/\/knightwealthadvisors.com\/wp-content\/uploads\/2020\/04\/Knight_phone-lt.png” alt=”Knight Wealth Advisors phone” icon_placement=”left” image_icon_width=”50px” _builder_version=”4.27.4″ body_link_text_color=”#ffffff” background_layout=”dark” custom_margin=”||0px||false|false” custom_padding=”||20px||false|false” custom_css_blurb_title=”padding-top: 8px;||padding-bottom: 2px” image_max_width=”50px” global_colors_info=”{}” body_link_text_color__hover_enabled=”on|hover” body_link_text_color__hover=”#b4a69d”]<\/p>\n Brad<\/strong> Sherry<\/strong> Erin<\/strong> [\/et_pb_blurb][et_pb_image src=”http:\/\/knightwealthadvisors.com\/wp-content\/uploads\/2020\/05\/BrokerCheck-logowhite.png” url=”https:\/\/brokercheck.finra.org\/” url_new_window=”on” _builder_version=”4.16″ width=”150px” custom_padding=”20px||||false|false” filter_opacity=”82%” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row use_custom_gutter=”on” gutter_width=”2″ _builder_version=”4.16″ width=”90%” max_width=”100%” custom_padding=”18px|20px|18px|20px|false|false” border_width_all=”2px” border_color_all=”rgba(180,166,157,0.22)” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ text_font=”Lato||||||||” text_font_size=”12.5px” text_line_height=”1.4em” link_font=”||||on||||” link_text_color=”#ffffff” background_layout=”dark” filter_brightness=”78%” global_colors_info=”{}”]<\/p>\n Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA\/SIPC. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Knight Wealth Advisors is not a registered broker\/dealer and is independent of Raymond James Financial Services<\/p>\n Raymond James financial advisors may only conduct business with residents of states and\/or jurisdictions for which the are properly registered.\u00a0 Therefore, a response to a request for information may be delayed.\u00a0 Please note that not all of the investments and services mentioned are available in every state.\u00a0 Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site.\u00a0 Contact your local Raymond James office for information and availability.\u00a0 <\/em><\/p>\n Links are being provided for information purposes only.\u00a0 Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors.\u00a0 Raymond James is not responsible for he content of any website or the collection or use of information regarding any website\u2019s users and\/or members.<\/em><\/p>\n \u00a9 2022 Securities offered through Raymond James Financial Services, Inc. member FINRA<\/a>\/SIPC<\/a>\u00a0 |\u00a0\u00a0Legal Disclosures<\/a>\u00a0 |\u00a0 Privacy, Security & Account Protection<\/a>\u00a0 |\u00a0 Terms of Use<\/a><\/em><\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":" services we provide Risk ManagementAsset ManagementRisk ManagementFoundation & Institutional Money ManagementFamily Wealth LegacyGetting PreparedUnderstanding Riskvs. VolatilityWe lead with listening. While market volatility can be unsettling, it isn\u2019t the same as risk. Volatility is the market\u2019s ups and downs; risk is what can derail your goals. In our experience, the greatest risks often come from life\u2019s […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-64","page","type-page","status-publish","hentry"],"yoast_head":"\nLife Insurance<\/h2>\n
Our Mission is Clear<\/h2>\n
Main Menu<\/h4>\n
Services We Provide<\/h4>\n
Stages of Financial Planning<\/h4>\n
Paducah, KY 42001
Get Directions\u00a0\u2192<\/strong><\/a><\/p>\n
\n8:00AM – 4:00PM<\/p>\n
\n8:00AM – 3:00PM<\/p>\n
270-207-9626<\/a><\/p>\n
270-216-1699<\/a><\/p>\n
270-238-3532<\/a><\/p>\n