Insurance Planning for Retirees in Del Mar, CA

A review of your life, long-term care, and disability coverage in the context of where you are today, not where you were when these policies were first put in place.

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It is complimentary, with no obligation. If we are not the right fit, we will tell you honestly.
Serving Families in Southern
California since 2015
Chad Waters is a CERTIFIED
FINANCIAL PLANNER® professional
Affiliated with LPL Financial, a Fortune
500 company; Member FINRA/SIPC

Check the background of this firm on FINRA’s BrokerCheck.

“How much of it could you lose to something you never saw coming?”

Insurance is often the part of a financial plan that gets set up once and rarely revisited. A policy bought at 45 to protect a young family or pay off a mortgage may not make sense at 62. What made sense at one stage of life can quietly become misaligned with the next.

Long-term care risk is frequently left out of the planning conversation entirely. The cost of skilled nursing, assisted living, or in-home care can be substantial and can meaningfully affect a retirement plan if it is not considered in advance.

For clients who are still working, disability coverage is often the most undervalued piece of the plan. An extended period without income can affect your retirement timeline and your family's financial security more than almost any other single event.

For high-net-worth families, personal liability exposure is easy to overlook. An umbrella policy that made sense at a lower asset level may no longer reflect what you actually have to protect today.

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What a Proper Insurance Strategy Looks Like

Your life insurance serves a purpose that makes sense for where you are today, whether that is estate equalization, wealth transfer, business succession, or simply confirming that existing coverage is still appropriate.

You have had a conversation about long-term care options and have a clearer sense of which approach may make sense for your situation.

Your disability coverage has been reviewed in the context of what an extended period without income would actually mean for your retirement timeline.

Your umbrella liability coverage has been considered in light of the assets you have to protect today. Your coverage is discussed as part of your broader financial plan.

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We Lead With Your Plan and Your Exposure, Not a Policy

Insurance planning at Trifecta Wealth Management is approached as part of your broader financial picture, not as a product to be sold.

We review the coverage you share with us, raise questions about areas that may be worth a closer look, and bring insurance into the conversation when protection questions surface as part of the broader plan.

Through our affiliation with LPL Financial, we have access to insurance solutions from a broad range of providers, which means recommendations are driven by your situation rather than a limited product shelf.

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Complimentary Second Opinion

A no-obligation conversation about your current coverage and your broader financial picture.

Coverage Review

We review the life, long-term care, disability, and liability coverage you share with us and raise questions about whether it appears to reflect your current situation and goals.

Gap Analysis

We raise questions about redundancies, gaps, or coverage that no longer fits your situation.

Recommendation

If a gap is identified, we discuss options from a broad range of providers.

Ongoing Review

Coverage is revisited as part of your regular financial planning cadence, not on its own separate schedule.

What We Charge

Insurance planning conversations are part of Trifecta Wealth Management's fee-based advisory relationship. Where a policy is purchased, compensation may include a commission, always disclosed in writing before you make any decision.

Trifecta Wealth Management typically works with clients who have $1 million or more in investable assets.

Why Work With Trifecta Wealth Management

The Plan Comes First

Insurance is part of the broader financial conversation, not the starting point. Coverage questions come up when they are relevant to your situation, not because a product needs to be placed.

Broad Provider Access

Through our affiliation with LPL Financial, we have access to insurance solutions from a broad range of providers, which means the conversation is driven by your situation rather than a limited shelf of options.

Part of the Ongoing Relationship

Coverage is revisited as part of the same ongoing financial planning conversation as the rest of your plan, not on a separate schedule.

One Point of Contact

Chad Waters, CFP®, reviews your coverage in the context of your full financial picture, so nothing is looked at in isolation.

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What Our Clients Say

It is to my great fortune to have met Chad Waters 7 years ago! My husband and I signed up with Chad to manage our portfolio. When Chad started his new business, Trifecta Wealth Management, we were all too happy to follow him, and Heather St. Amour, Trifecta's Branch Operations Manager. We trust them for our financial management and peace of mind, and whenever I call, the phone is answered immediately or I'm called back within minutes. It's so wonderful learning from Chad's expertise if I have a question or concern, he is so knowledgeable. I have recommended Trifecta to all of my friends and family. We are extremely satisfied clients!

Mary Jo S.
Business Owner
September 2, 2026

My wife and I have worked with Chad Waters for 10 years since he knocked on my door a year before our retirement. Usually I shoo away people selling services but there was something about Chad that made me want to hear what he had to say. In our experience Chad and Heather have always had our best interests at heart. I find that they are always available. They have our absolute trust with our money for our financial plan and retirement savings. We look forward to a continued relationship with Trifecta Wealth Management, LLC.

Jere D.
Retired
August 14, 2026

Chad Waters and Heather St. Amour of Trifecta Wealth Management are a wealth of knowledge and they are always well prepared for our quarterly meetings. They are very patient with our questions and always provide knowledgeable answers. They always provide a great long-term plan and always take into account our risk tolerance. They always stay in touch and respond to our emails or phone calls in a timely manner. If my wife or I do not understand something they explain it in simple terms.

Pat H.
Business Owner
August 13, 2026

This statement is a testimonial by a client of the financial professional as of the indicated date. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial. These views may not be representative of the views of other clients and are not indicative of future performance or success.

Frequently Asked Questions

Do you sell insurance products?

Yes. Through our affiliation with LPL Financial, we have access to insurance solutions from a broad range of providers. We lead with your financial plan, and insurance comes into the conversation when protection questions are relevant to your situation.

Will you review the policies I already have?

Yes, at your request. We review the coverage you share with us and raise questions about areas that may be worth a closer look.

Do I need long-term care insurance?

That depends on your situation. We help you think through the tradeoffs between long-term care insurance, hybrid life and long-term care products, and self-insuring, rather than pointing you toward one answer.

Should I still have disability insurance if I'm close to retirement?

It depends on whether you are still working. Disability coverage is most relevant for clients who are still earning income and whose retirement timeline or family financial security could be meaningfully affected by an extended period without it.

Is insurance planning included in your regular fee?

The conversation and review are included as part of your advisory relationship. Where a policy is purchased, compensation may include a commission, which is always disclosed in writing before you make any decision.

Do you review my property and liability coverage too?

Yes, if you share the documents with us. We can review the coverage you provide and help raise questions about whether your umbrella liability coverage may still reflect the assets and lifestyle you have today. Where you choose to involve your property and casualty insurance advisor, we are happy to help facilitate that conversation at your request.

Are you a fiduciary?

In our fee-based advisory relationships, yes. We are required to act as a fiduciary, and as a CERTIFIED FINANCIAL PLANNER® professional, held to a fiduciary standard under the CFP Board's Code of Ethics.

Got questions?

Apply for a Second Opinion call with our team to get all your questions answered.

Get a Second Opinion

Let's review your coverage as part of your complete financial plan.

Get a Second Opinion
It is complimentary, with no obligation. If we are not the right fit, we will tell you honestly.
Prefer to call?
+1 858-703-6033

Insurance products are offered through Trifecta Wealth Management and LPL Financial or its licensed affiliates. Not all insurance products are available in all states.