Insurance Planning Pocatello, Idaho

Need Help Understanding Your Insurance Plan?

Life in Pocatello is full of unexpected twists—from weekend adventures in the Portneuf River trails to snowy drives to Pebble Creek. Without thoughtful insurance planning, one accident or illness could derail your financial goals. You might be torn between high‑deductible health plans that offer HSAs and low‑deductible plans with higher premiums. Maybe you’re unsure whether you qualify for tax credits through the Idaho health exchange or if your employer’s plan is enough. When it comes to life insurance, the choices feel endless: term, whole, universal—how much is enough? The same goes for disability coverage; a sudden injury could jeopardize your ability to provide for your family. And then there’s long‑term care: you may worry about future medical costs draining your retirement savings and forcing you to give up Saturday mornings at the Portneuf Valley Farmers Market. It’s easy to postpone these decisions, but waiting can cost you financially and emotionally.

Get Clarity With Insurance Planning

At Matterhorn Financial Planning, I serve as your guide through the insurance landscape, ensuring your coverage aligns with your values and finances. I understand how health care tax credits work and how HSA/FSA accounts may affect your finances. Together we’ll evaluate whether a high‑deductible plan with an HSA or a low‑deductible option suits your health needs and budget. I’ll help you calculate the right amount and type of life insurance, factoring in mortgages, college plans and community contributions. We’ll review disability policies to ensure your income is protected if you’re unable to work, and explore long‑term care insurance so you can maintain your independence without burdening family. By integrating these choices into your overall financial plan, you’ll gain confidence that your insurance serves you—so you can spend more time hiking Scout Mountain and less time worrying.

Assess Your Needs

We start with a conversation about your family, health, assets and goals. I’ll listen to your concerns about medical costs, income replacement and protecting loved ones.

Evaluate Options

We can discuss options available through your employer vs private options for your insurance needs, and shine a light on the tax and cash flow effects of different options. You can choose what fits your budget and risk tolerance.

Implement and Review

Once we choose the mix of coverage for you, I can help coordinate with insurance agents to implement or can turn the process over to you. We can review them on a periodic basis to ensure they still meet your needs as life evolves.

Ready To Get Started?

I promise to provide clear, unbiased guidance so you can make informed decisions about insurance. As a fiduciary, I put your interests first, not those of insurance companies or commissions. What sets me apart is my commitment to educating clients rather than selling products and the integration of your insurance analysis with the rest of your financial plan. Without proper planning, you risk overpaying for coverage you don’t need or being underinsured when disaster strikes. Let’s safeguard your future together.