Risk transfer as a core financial tool
Insurance is rarely the right answer to a financial question — but when it is, it is the only answer. We think about risk-transfer with the same discipline we apply to portfolios.
Insurance, only where it makes sense
Eric Bilitz's core philosophy includes one strong conviction: risk-transfer to a third party is a legitimate, sometimes essential, financial tool. The question is never "do you need insurance?" — it's "which specific risks does your plan need to transfer, and how much of each?"
We make that calculation explicit, document it, and review it as your situation changes.
Risks we plan around
Each transferable. Each documented.
Longevity & Market Risk
The risk of outliving the plan — and of a poor sequence of returns early in retirement.
Disability & Life Risk
Income replacement and survivor planning — sized to actual gaps, not blanket coverage.
Long-Term Care & Liability
LTC and umbrella coverage where the math justifies it.
A disciplined four-step process
Every Endeavor engagement follows the same arc — regardless of which service pillar you start with.
Discovering You
A consultative meeting to understand your goals — and assess mutual fit. No cost, no obligation.
Strategy Planning
Personalized plans for short, intermediate, and long-term objectives, refined together.
Implementation
We execute investments, insurance, retirement, and estate decisions alongside you.
Review & Support
Ongoing plan reviews as life, markets, and tax law evolve.
Take the next step on your plan
Book a discovery meeting — no cost, no obligation.