Flood Insurance: Comprehensive, Essential Protection for Homeowners

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The mansion, with its grand architecture and expansive exterior, is surrounded by murky water that has risen to cover much of the property, reaching up to the windows. The landscape around the mansion, including what appears to be a lawn or garden area, is also flooded, with trees and bushes partially submerged. The overcast sky adds to the somber and dramatic atmosphere of the scene. This image underscores the critical importance of flood insurance for protecting high-value properties against the devastating effects of climate change and extreme weather events."> <meta name="twitter:image" content="https://www.risk-strategies.com/hubfs/Flood%20Insurance_flooded_mansion.png"> <meta name="twitter:image:alt" content="The photo depicts a large, luxurious mansion partially submerged in floodwaters, illustrating the impact of severe flooding on high-end properties. The mansion, with its grand architecture and expansive exterior, is surrounded by murky water that has risen to cover much of the property, reaching up to the windows. The landscape around the mansion, including what appears to be a lawn or garden area, is also flooded, with trees and bushes partially submerged. The overcast sky adds to the somber and dramatic atmosphere of the scene. 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<div id="hs_cos_wrapper_widget_81143375198" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"> <div class="vertical-spacer module module--padding-top-medium module--padding-bottom-none module--bg-transparent"> </div></div></span> </div> <div class="page page--sheet"> <div class="flex-top-sheet"> <span id="hs_cos_wrapper_flex-top-sheet" class="hs_cos_wrapper hs_cos_wrapper_widget_container hs_cos_wrapper_type_widget_container" style="" data-hs-cos-general-type="widget_container" data-hs-cos-type="widget_container"></span> </div> <div class="primary-content primary-content--two-col-right"> <div class="primary-content__left-col flex-nested"> <span id="hs_cos_wrapper_left-col" class="hs_cos_wrapper hs_cos_wrapper_widget_container hs_cos_wrapper_type_widget_container" style="" data-hs-cos-general-type="widget_container" data-hs-cos-type="widget_container"><div id="hs_cos_wrapper_widget_81143375199" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"> <div class="one-column module module--padding-top-none module--padding-bottom-none module--bg-transparent"> <div class="module__inner constrain"> <div class="module__section-main module__section-main--block-align-center"> <div class="module__content module__content--text-align-left constrain--12"> <div class="one-column__grid"> <div class="column-block__content"> <h2>Comprehensive flood coverage for peace of mind</h2> <p>Flooding can occur suddenly and without warning, resulting from flash floods, river overflows, severe weather conditions, or storm surges. Everyone is at risk for flood damage, regardless of geography or location. Given the increasing prevalence and risk of flooding, homeowners should take a fresh look at their flood risks and consider how flood insurance can be incorporated into their overall risk management and insurance strategy.</p> <h2>What is flood insurance?</h2> <p>Flood insurance policies are offered by the National Flood Insurance Program (NFIP) and Private Flood Insurance carriers, and can be tailored to cover your home, other structures, and contents.</p> <p>Coverage limits and premiums are determined based on various factors, including the property's location, elevation, <a href="https://www.risk-strategies.com/blog/comprehensive-guide-to-flood-insurance-rising-flood-risks?hsLang=en#flood-zone-map" rel="noopener">flood zone designation</a>, and type of flood insurance policy. Understanding the nuances of flood insurance is essential for homeowners to ensure adequate protection against the potential devastation of flooding.</p> <h2>What is covered by flood insurance?</h2> <p>Flood insurance policies includes building coverage and contents coverage. It is important to note that there are different types of flood policies and not all policies offer the same coverages or limits. Your specific needs should be discussed with your insurance broker to ensure proper flood coverage and adequate limits are in place.</p> <ul> <li><strong>Building Coverage</strong>: Protects the structure of your home, such as walls, floors, foundation, electrical and plumbing systems, furnaces and water heaters, built-in appliances (refrigerators, ovens, stoves, dishwashers), permanent carpeting, window blinds, detached garages, attached fixtures like cabinets, fuel tanks, well water tanks and pumps, and solar energy equipment.</li> <li> <p><strong>Contents and Valuables Coverage</strong>: Covers personal belongings such as furniture, electronics, and high-value items like art and jewelry. Contents and valuables coverage options and limits differ widely between private flood insurance policies and National Flood Insurance Policies.</p> </li> </ul> <h2>What is excess flood insurance?</h2> <p>Excess flood insurance policies cover over – <strong><i><em>in excess of</em></i></strong> – primary flood insurance policies ensuring extra protection in the event of a flood. Layering coverage involves combining a primary policy such as a NFIP policy or private flood policy, with an excess flood policy. Excess policies can extend over NFIP policies or over private flood insurance policies. For high-value homes, excess flood insurance can be a wise option to consider as it offers higher limits than primary flood insurance, especially if covering over an NFIP flood policy.</p> <h2>Insure your home and property against flooding</h2> <p>The safety and security of your family and home are of utmost importance—not solely for the physical structure but for the invaluable memories it contains. It is crucial not to leave these matters to chance. Connect with the professionals at Risk Strategies to secure the necessary protection against the unpredictable risks associated with flooding. Our team of experts is ready to assist you in understanding your options and selecting the appropriate coverage. Get the protection you need to face the future with confidence and peace of mind.</p> <p><span class="hs-cta-wrapper" id="hs-cta-wrapper-60a0b0c2-b779-45f8-a08d-24842d4498f9"><span class="hs-cta-node hs-cta-60a0b0c2-b779-45f8-a08d-24842d4498f9" id="hs-cta-60a0b0c2-b779-45f8-a08d-24842d4498f9"><a href="https://cta-redirect.hubspot.com/cta/redirect/20256628/60a0b0c2-b779-45f8-a08d-24842d4498f9"><img class="hs-cta-img" id="hs-cta-img-60a0b0c2-b779-45f8-a08d-24842d4498f9" style="border-width:0px;" src="https://no-cache.hubspot.com/cta/default/20256628/60a0b0c2-b779-45f8-a08d-24842d4498f9.png" alt="Submit a Flood Insurance Inquiry Form"></a></span><script charset="utf-8" src="/hs/cta/cta/current.js"></script><script type="text/javascript"> hbspt.cta._relativeUrls=true;hbspt.cta.load(20256628, '60a0b0c2-b779-45f8-a08d-24842d4498f9', {"useNewLoader":"true","region":"na1"}); </script></span></p> <h3>Additional resources:</h3> <ul> <li><a href="https://www.risk-strategies.com/blog/comprehensive-guide-to-flood-insurance-rising-flood-risks?hsLang=en" rel="noopener">A Comprehensive Guide to Flood Insurance: Essential Protection for Rising Flood Risks</a></li> <li><a href="https://www.risk-strategies.com/privateclientresources?hsLang=en">Private Client Blogs, Articles & Risk Management Resources</a></li> </ul> </div> </div> </div> </div> </div> </div> </div></span> </div> <div class="primary-content__right-col flex-nested"> <span id="hs_cos_wrapper_right-col" class="hs_cos_wrapper hs_cos_wrapper_widget_container hs_cos_wrapper_type_widget_container" style="" data-hs-cos-general-type="widget_container" data-hs-cos-type="widget_container"><div id="hs_cos_wrapper_widget_1665505520399" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"> <div class=""> <div class="sidebar-menu module module--padding-top-xxs module--padding-bottom-xxs module--bg-transparent"> <div class="module__inner constrain"> <div class="module__section-main module__section-main--block-align-center"> <div class="module__content module__content--text-align-left constrain--12"> <div class="sidebar-menu module sidebar-menu--dynamic" data-active-level="2"> <div class="sidebar-menu__section-header"> <h3>Explore</h3> </div> <div class="sidebar-menu__inner"> <div class="sidebar-menu__menu" data-active-level="2"> <div id="hs_menu_wrapper_widget_1665505520399_sidebar_menu" class="hs-menu-wrapper active-branch flyouts hs-menu-flow-horizontal" role="navigation" data-sitemap-name="default" data-menu-id="90303774474" aria-label="Navigation Menu"> <ul role="menu" class="active-branch"> <li class="hs-menu-item hs-menu-depth-1 hs-item-has-children active-branch" role="none"><a href="javascript:;" aria-haspopup="true" aria-expanded="false" role="menuitem">Private Client Services</a> <ul role="menu" class="hs-menu-children-wrapper active-branch"> <li 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</div> </div> </div> </div> </div> </div> </div> </div></div> <div id="hs_cos_wrapper_widget_1659675693230" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"> <div class="team-members module module--padding-top-none module--padding-bottom-none module--bg-transparent"> <div class="module__inner constrain"> <div class="module__section-header module__section-header--block-align-left"> <div class="module__section-header-inner module__section-header-inner--text-align-left constrain--8"> <h3>Practice Leadership</h3> </div> </div> <div class="module__section-main module__section-main--block-align-center"> <div class="module__content module__content--text-align-left constrain--12"> <div class="module__grid module__grid--three-col"> <div class="module__grid-column"> <div class="team-member"> <div class="team-member__photo-container"> <div class="team-member__photo"> <picture class="module__picture"> <img class="module__picture-element" src="https://www.risk-strategies.com/hs-fs/hubfs/Web%20Headshots/Murphy_Alison.jpg?width=300&height=300&name=Murphy_Alison.jpg" alt="" loading="lazy" width="300" height="300" srcset="https://www.risk-strategies.com/hs-fs/hubfs/Web%20Headshots/Murphy_Alison.jpg?width=150&height=150&name=Murphy_Alison.jpg 150w, https://www.risk-strategies.com/hs-fs/hubfs/Web%20Headshots/Murphy_Alison.jpg?width=300&height=300&name=Murphy_Alison.jpg 300w, https://www.risk-strategies.com/hs-fs/hubfs/Web%20Headshots/Murphy_Alison.jpg?width=450&height=450&name=Murphy_Alison.jpg 450w, https://www.risk-strategies.com/hs-fs/hubfs/Web%20Headshots/Murphy_Alison.jpg?width=600&height=600&name=Murphy_Alison.jpg 600w, https://www.risk-strategies.com/hs-fs/hubfs/Web%20Headshots/Murphy_Alison.jpg?width=750&height=750&name=Murphy_Alison.jpg 750w, https://www.risk-strategies.com/hs-fs/hubfs/Web%20Headshots/Murphy_Alison.jpg?width=900&height=900&name=Murphy_Alison.jpg 900w" sizes="(max-width: 300px) 100vw, 300px"> </picture> </div> </div> <div class="team-member__content"> <div class="team-member__content"> <div class="team-member__name h5"> <a class="inline-popup" href="#1659675693230-alison-murphy-bio-modal" aria-label="Connect with Alison Murphy"> <span>Alison Murphy</span> </a> <div class="team-member__linkedin"> <a class="team-member__linkedin" href="https://www.linkedin.com/in/alison-murphy-cpria-4349a7a/" aria-label="Connect with Alison Murphy on LinkedIn" target="_blank" role="button"> <span class="icon"> <svg class="team-members__list-icon" xmlns="http://www.w3.org/2000/svg" viewbox="0 0 448 512"> <path fill="#fff" d="M100.28 448H7.4V148.9h92.88zM53.79 108.1C24.09 108.1 0 83.5 0 53.8a53.79 53.79 0 0 1 107.58 0c0 29.7-24.1 54.3-53.79 54.3zM447.9 448h-92.68V302.4c0-34.7-.7-79.2-48.29-79.2-48.29 0-55.69 37.7-55.69 76.7V448h-92.78V148.9h89.08v40.8h1.3c12.4-23.5 42.69-48.3 87.88-48.3 94 0 111.28 61.9 111.28 142.3V448z" /> </svg> </span> </a> </div> </div> <div class="team-member__citation long"> <div class="team-member__title"> <p>National Private Client Services Practice Leader</p> </div> </div> </div> </div> </div> <div id="1659675693230-alison-murphy-bio-modal" class="team-member__modal mfp-hide"> <div class="team-member__modal-inner"> <div class="team-member__modal-grid"> <div class="team-member__modal-photo"> <div class="team-member__modal-photo-inner"> <img src="https://www.risk-strategies.com/hubfs/Web%20Headshots/Murphy_Alison.jpg" alt="Alison Murphy"> </div> </div> <div class="team-member__modal-content"> <div class="team-member__modal-content-title"> <div><h3 class="team-member__modal-name">Alison Murphy</h3></div> <div class="team-member__linkedin"> <a class="team-member__linkedin" href="https://www.linkedin.com/in/alison-murphy-cpria-4349a7a/" aria-label="Follow on LinkedIn" target="_blank"> <span class="icon"> <svg class="team-members__list-icon" xmlns="http://www.w3.org/2000/svg" viewbox="0 0 448 512"> <path fill="#fff" d="M100.28 448H7.4V148.9h92.88zM53.79 108.1C24.09 108.1 0 83.5 0 53.8a53.79 53.79 0 0 1 107.58 0c0 29.7-24.1 54.3-53.79 54.3zM447.9 448h-92.68V302.4c0-34.7-.7-79.2-48.29-79.2-48.29 0-55.69 37.7-55.69 76.7V448h-92.78V148.9h89.08v40.8h1.3c12.4-23.5 42.69-48.3 87.88-48.3 94 0 111.28 61.9 111.28 142.3V448z" /> </svg> </span> </a> </div> </div> <p class="large"></p><p>National Private Client Services Practice Leader</p><p></p> Alison joined Risk Strategies in 2021, developing and leading the overall national growth strategy for Private Client Services. She focuses on enhancing the client experience for our high net worth clients and delivering tailored solutions that better serve their unique insurance and risk management needs.<br><br>With over 25 years of experience in the property & casualty insurance industry, Alison has spent the majority of her career in the high net worth segment. Prior to joining Risk Strategies, she worked for the PURE Group of Insurance Companies where she held various leadership positions including Eastern Zone Executive. Previously, she held various roles focused on business development and underwriting for AIG and The Chubb Corporation.<br><br>Alison holds a Bachelor of Arts in English Literature from Franklin & Marshall College and is a graduate of Boston’s Future Leaders Program. She is actively engaged in her community through several organizations including the Greater Boston Chamber of Commerce, Insurance Industry Charitable Foundation, Women’s Lunch Place and the Dana-Farber Cancer Institute’s Falmouth Road Race. </div> </div> </div> </div> </div> <div class="module__grid-column"> <div class="team-member"> <div class="team-member__photo-container"> <div class="team-member__photo"> <picture class="module__picture"> <img class="module__picture-element" src="https://www.risk-strategies.com/hs-fs/hubfs/Tim%20DeRosa.png?width=300&height=300&name=Tim%20DeRosa.png" alt="" loading="lazy" width="300" height="300" srcset="https://www.risk-strategies.com/hs-fs/hubfs/Tim%20DeRosa.png?width=150&height=150&name=Tim%20DeRosa.png 150w, https://www.risk-strategies.com/hs-fs/hubfs/Tim%20DeRosa.png?width=300&height=300&name=Tim%20DeRosa.png 300w, https://www.risk-strategies.com/hs-fs/hubfs/Tim%20DeRosa.png?width=450&height=450&name=Tim%20DeRosa.png 450w, https://www.risk-strategies.com/hs-fs/hubfs/Tim%20DeRosa.png?width=600&height=600&name=Tim%20DeRosa.png 600w, https://www.risk-strategies.com/hs-fs/hubfs/Tim%20DeRosa.png?width=750&height=750&name=Tim%20DeRosa.png 750w, https://www.risk-strategies.com/hs-fs/hubfs/Tim%20DeRosa.png?width=900&height=900&name=Tim%20DeRosa.png 900w" sizes="(max-width: 300px) 100vw, 300px"> </picture> </div> </div> <div class="team-member__content"> <div class="team-member__content"> <div class="team-member__name h5"> <a class="inline-popup" href="#1659675693230-tim-derosa-bio-modal" aria-label="Connect with Tim deRosa"> <span>Tim deRosa</span> </a> <div class="team-member__linkedin"> <a class="team-member__linkedin" href="https://www.linkedin.com/in/tim-derosa-cic-18353010/" aria-label="Connect with Tim deRosa on LinkedIn" target="_blank" role="button"> <span class="icon"> <svg class="team-members__list-icon" xmlns="http://www.w3.org/2000/svg" viewbox="0 0 448 512"> <path fill="#fff" d="M100.28 448H7.4V148.9h92.88zM53.79 108.1C24.09 108.1 0 83.5 0 53.8a53.79 53.79 0 0 1 107.58 0c0 29.7-24.1 54.3-53.79 54.3zM447.9 448h-92.68V302.4c0-34.7-.7-79.2-48.29-79.2-48.29 0-55.69 37.7-55.69 76.7V448h-92.78V148.9h89.08v40.8h1.3c12.4-23.5 42.69-48.3 87.88-48.3 94 0 111.28 61.9 111.28 142.3V448z" /> </svg> </span> </a> </div> </div> <div class="team-member__citation"> <div class="team-member__title"> Chief Operating Officer, Personal Lines </div> </div> </div> </div> </div> <div id="1659675693230-tim-derosa-bio-modal" class="team-member__modal mfp-hide"> <div class="team-member__modal-inner"> <div class="team-member__modal-grid"> <div class="team-member__modal-photo"> <div class="team-member__modal-photo-inner"> <img src="https://www.risk-strategies.com/hubfs/Tim%20DeRosa.png" alt="Tim deRosa"> </div> </div> <div class="team-member__modal-content"> <div class="team-member__modal-content-title"> <div><h3 class="team-member__modal-name">Tim deRosa</h3></div> <div class="team-member__linkedin"> <a class="team-member__linkedin" href="https://www.linkedin.com/in/tim-derosa-cic-18353010/" aria-label="Follow on LinkedIn" target="_blank"> <span class="icon"> <svg class="team-members__list-icon" xmlns="http://www.w3.org/2000/svg" viewbox="0 0 448 512"> <path fill="#fff" d="M100.28 448H7.4V148.9h92.88zM53.79 108.1C24.09 108.1 0 83.5 0 53.8a53.79 53.79 0 0 1 107.58 0c0 29.7-24.1 54.3-53.79 54.3zM447.9 448h-92.68V302.4c0-34.7-.7-79.2-48.29-79.2-48.29 0-55.69 37.7-55.69 76.7V448h-92.78V148.9h89.08v40.8h1.3c12.4-23.5 42.69-48.3 87.88-48.3 94 0 111.28 61.9 111.28 142.3V448z" /> </svg> </span> </a> </div> </div> <p class="large">Chief Operating Officer, Personal Lines</p> <p>Tim joined Risk Strategies in 2022 as the Chief Operating Officer for the Private Client Practice to help develop and implement the strategic vison for the practice and to manage day-to-day practice operations and technologies. His responsibilities include driving operational efficiencies across all offices and regions, enhancing the client experience through the use of technology, standardizing and optimizing workflows and helping to oversee the management of the Private Client Practices' largest carrier relationships.</p> <p>In addition to his practice leadership role, Tim is also a personal risk advisor and works directly with successful families across the county. He assesses client needs, identifies future risks, and develops customized, comprehensive personal insurance solutions that align with their risk management priorities.</p> <p>With nearly 25 years of experience in the insurance industry, Tim brings a wide range of experience having spent dedicated time on the retail, wholesale, and carrier sides of the business. He founded and sold Platinum Partners, a successful wholesale business focused exclusively on the private client segment. He also served as Executive Vice President of Orchid Underwriters, a private equity backed specialty MGA which he joined after selling his firm. In addition, Tim spent nearly a decade at Chubb Personal Risk Services where he held several executive level positions in both underwriting and marketing, including leading the New England Region.</p> <p>Tim earned a Bachelor of Arts degree in Political Science from Drew University. He is a member of PRMA (Private Risk Management Association), a longtime member of the Boston Estate Planning Council, and a former member of the Family Office Exchange.</p> </div> </div> </div> </div> </div> <div class="module__grid-column"> <div class="team-member"> <div class="team-member__content"> <div class="team-member__content"> <div class="team-member__name h5"> <span></span> </div> <div class="team-member__citation"> </div> </div> </div> </div> </div> <div class="module__grid-column"> <div class="team-member"> <div class="team-member__photo-container"> <div class="team-member__photo"> <picture class="module__picture"> <img class="module__picture-element" src="https://www.risk-strategies.com/hs-fs/hubfs/Lesa%20-%20PCS%20(1).png?width=300&height=300&name=Lesa%20-%20PCS%20(1).png" alt="" loading="lazy" width="300" height="300" srcset="https://www.risk-strategies.com/hs-fs/hubfs/Lesa%20-%20PCS%20(1).png?width=150&height=150&name=Lesa%20-%20PCS%20(1).png 150w, https://www.risk-strategies.com/hs-fs/hubfs/Lesa%20-%20PCS%20(1).png?width=300&height=300&name=Lesa%20-%20PCS%20(1).png 300w, https://www.risk-strategies.com/hs-fs/hubfs/Lesa%20-%20PCS%20(1).png?width=450&height=450&name=Lesa%20-%20PCS%20(1).png 450w, https://www.risk-strategies.com/hs-fs/hubfs/Lesa%20-%20PCS%20(1).png?width=600&height=600&name=Lesa%20-%20PCS%20(1).png 600w, https://www.risk-strategies.com/hs-fs/hubfs/Lesa%20-%20PCS%20(1).png?width=750&height=750&name=Lesa%20-%20PCS%20(1).png 750w, https://www.risk-strategies.com/hs-fs/hubfs/Lesa%20-%20PCS%20(1).png?width=900&height=900&name=Lesa%20-%20PCS%20(1).png 900w" sizes="(max-width: 300px) 100vw, 300px"> </picture> </div> </div> <div class="team-member__content"> <div class="team-member__content"> <div class="team-member__name h5"> <span>Lesa Blaser</span> <div class="team-member__linkedin"> <a class="team-member__linkedin" href="https://www.linkedin.com/in/lesa-blaser-54830931/" aria-label="Connect with Lesa Blaser on LinkedIn" target="_blank" role="button"> <span class="icon"> <svg class="team-members__list-icon" xmlns="http://www.w3.org/2000/svg" viewbox="0 0 448 512"> <path fill="#fff" d="M100.28 448H7.4V148.9h92.88zM53.79 108.1C24.09 108.1 0 83.5 0 53.8a53.79 53.79 0 0 1 107.58 0c0 29.7-24.1 54.3-53.79 54.3zM447.9 448h-92.68V302.4c0-34.7-.7-79.2-48.29-79.2-48.29 0-55.69 37.7-55.69 76.7V448h-92.78V148.9h89.08v40.8h1.3c12.4-23.5 42.69-48.3 87.88-48.3 94 0 111.28 61.9 111.28 142.3V448z" /> </svg> </span> </a> </div> </div> <div class="team-member__citation"> <div class="team-member__title"> Private Client Services Leader - Central Region </div> </div> </div> </div> </div> </div> <div class="module__grid-column"> <div class="team-member"> <div class="team-member__photo-container"> <div class="team-member__photo"> <picture class="module__picture"> <img class="module__picture-element" src="https://www.risk-strategies.com/hs-fs/hubfs/JC%20Fulse.png?width=300&height=300&name=JC%20Fulse.png" alt="" loading="lazy" width="300" height="300" srcset="https://www.risk-strategies.com/hs-fs/hubfs/JC%20Fulse.png?width=150&height=150&name=JC%20Fulse.png 150w, https://www.risk-strategies.com/hs-fs/hubfs/JC%20Fulse.png?width=300&height=300&name=JC%20Fulse.png 300w, https://www.risk-strategies.com/hs-fs/hubfs/JC%20Fulse.png?width=450&height=450&name=JC%20Fulse.png 450w, https://www.risk-strategies.com/hs-fs/hubfs/JC%20Fulse.png?width=600&height=600&name=JC%20Fulse.png 600w, https://www.risk-strategies.com/hs-fs/hubfs/JC%20Fulse.png?width=750&height=750&name=JC%20Fulse.png 750w, https://www.risk-strategies.com/hs-fs/hubfs/JC%20Fulse.png?width=900&height=900&name=JC%20Fulse.png 900w" sizes="(max-width: 300px) 100vw, 300px"> </picture> </div> </div> <div class="team-member__content"> <div class="team-member__content"> <div class="team-member__name h5"> <span>J.C. Fulse</span> <div class="team-member__linkedin"> <a class="team-member__linkedin" href="https://www.linkedin.com/in/j-c-fulse-0b9036a8/" aria-label="Connect with J.C. Fulse on LinkedIn" target="_blank" role="button"> <span class="icon"> <svg class="team-members__list-icon" xmlns="http://www.w3.org/2000/svg" viewbox="0 0 448 512"> <path fill="#fff" d="M100.28 448H7.4V148.9h92.88zM53.79 108.1C24.09 108.1 0 83.5 0 53.8a53.79 53.79 0 0 1 107.58 0c0 29.7-24.1 54.3-53.79 54.3zM447.9 448h-92.68V302.4c0-34.7-.7-79.2-48.29-79.2-48.29 0-55.69 37.7-55.69 76.7V448h-92.78V148.9h89.08v40.8h1.3c12.4-23.5 42.69-48.3 87.88-48.3 94 0 111.28 61.9 111.28 142.3V448z" /> </svg> </span> </a> </div> </div> <div class="team-member__citation"> <div class="team-member__title"> Private Client Services Leader - Atlantic Region </div> </div> </div> </div> </div> </div> <div class="module__grid-column"> <div class="team-member"> <div class="team-member__photo-container"> <div class="team-member__photo"> <picture class="module__picture"> <img class="module__picture-element" 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class="team-member__content"> <div class="team-member__name h5"> <span>Charlie Graham</span> <div class="team-member__linkedin"> <a class="team-member__linkedin" href="https://www.linkedin.com/in/charlie-graham-98a75717/" aria-label="Connect with Charlie Graham on LinkedIn" target="_blank" role="button"> <span class="icon"> <svg class="team-members__list-icon" xmlns="http://www.w3.org/2000/svg" viewbox="0 0 448 512"> <path fill="#fff" d="M100.28 448H7.4V148.9h92.88zM53.79 108.1C24.09 108.1 0 83.5 0 53.8a53.79 53.79 0 0 1 107.58 0c0 29.7-24.1 54.3-53.79 54.3zM447.9 448h-92.68V302.4c0-34.7-.7-79.2-48.29-79.2-48.29 0-55.69 37.7-55.69 76.7V448h-92.78V148.9h89.08v40.8h1.3c12.4-23.5 42.69-48.3 87.88-48.3 94 0 111.28 61.9 111.28 142.3V448z" /> </svg> </span> </a> </div> </div> <div class="team-member__citation"> <div class="team-member__title"> Private Client Services Leader - New England Region </div> </div> </div> </div> </div> </div> <div class="module__grid-column"> <div 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sizes="(max-width: 300px) 100vw, 300px"> </picture> </div> </div> <div class="team-member__content"> <div class="team-member__content"> <div class="team-member__name h5"> <span>Nick Licursi</span> <div class="team-member__linkedin"> <a class="team-member__linkedin" href="https://www.linkedin.com/in/nicklicursi/" aria-label="Connect with Nick Licursi on LinkedIn" target="_blank" role="button"> <span class="icon"> <svg class="team-members__list-icon" xmlns="http://www.w3.org/2000/svg" viewbox="0 0 448 512"> <path fill="#fff" d="M100.28 448H7.4V148.9h92.88zM53.79 108.1C24.09 108.1 0 83.5 0 53.8a53.79 53.79 0 0 1 107.58 0c0 29.7-24.1 54.3-53.79 54.3zM447.9 448h-92.68V302.4c0-34.7-.7-79.2-48.29-79.2-48.29 0-55.69 37.7-55.69 76.7V448h-92.78V148.9h89.08v40.8h1.3c12.4-23.5 42.69-48.3 87.88-48.3 94 0 111.28 61.9 111.28 142.3V448z" /> </svg> </span> </a> </div> </div> <div class="team-member__citation"> <div class="team-member__title"> Private Client Services Leader - New York Region </div> </div> </div> </div> </div> </div> <div class="module__grid-column"> <div class="team-member"> <div class="team-member__photo-container"> <div class="team-member__photo"> <picture class="module__picture"> <img class="module__picture-element" src="https://www.risk-strategies.com/hs-fs/hubfs/assets/images/team/Jeff_Clinkscales.png?width=300&height=300&name=Jeff_Clinkscales.png" alt="" loading="lazy" width="300" height="300" srcset="https://www.risk-strategies.com/hs-fs/hubfs/assets/images/team/Jeff_Clinkscales.png?width=150&height=150&name=Jeff_Clinkscales.png 150w, https://www.risk-strategies.com/hs-fs/hubfs/assets/images/team/Jeff_Clinkscales.png?width=300&height=300&name=Jeff_Clinkscales.png 300w, https://www.risk-strategies.com/hs-fs/hubfs/assets/images/team/Jeff_Clinkscales.png?width=450&height=450&name=Jeff_Clinkscales.png 450w, https://www.risk-strategies.com/hs-fs/hubfs/assets/images/team/Jeff_Clinkscales.png?width=600&height=600&name=Jeff_Clinkscales.png 600w, 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37.7-55.69 76.7V448h-92.78V148.9h89.08v40.8h1.3c12.4-23.5 42.69-48.3 87.88-48.3 94 0 111.28 61.9 111.28 142.3V448z" /> </svg> </span> </a> </div> </div> <div class="team-member__citation"> <div class="team-member__title"> <p>Private Client Services Leader - West Region</p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div id="hs_cos_wrapper_widget_81143375202" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"> <div class="resources module module--padding-top-none module--padding-bottom-none module--bg-transparent"> <div class="module__inner constrain"> <div class="module__section-header module__section-header--block-align-left"> <div class="module__section-header-inner module__section-header-inner--text-align-left constrain--12"> <div class="module__section-header-grid"> <div> <h3>Blog</h3> </div> <div> <p><a class="cta-link cta-link--chevron" href="//risk-strategies.hubspotpagebuilder.com/blog?hsLang=en" rel="noopener">See more</a></p> </div> </div> </div> </div> <div class="module__section-main module__section-main--block-align-center"> <div class="module__content module__content--text-align-left constrain--12"> <div class="resources__grid"> <div class="resources__inner" data-is-empty="false"> <div class="module__grid module__grid--one-col"> <div class="resources__column" data-is-active="true" data-column-properties="{"type":null}"> <div class="resource-card resource-card--compact on-light resource-card--is-linked"> <div class="resource-card__image"> <picture class="module__picture"> <img class="module__picture-element" src="https://www.risk-strategies.com/hs-fs/hubfs/Senior%20couple%20walking%20on%20beach%20with%20grandson.jpg?width=450&height=250&name=Senior%20couple%20walking%20on%20beach%20with%20grandson.jpg" alt="" loading="lazy" width="450" height="250" 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