Insurance Specialist vs Financial Advisor
Two different professionals, two different licenses. Here is how to tell which one you need for income protection.
A financial advisor holds securities licenses and manages investments. An insurance specialist holds insurance licenses and designs the protection that keeps your income, family, and business standing if something goes wrong. Many people need both. They are not the same job.
Peter Boglo is an independent insurance specialist licensed in New York, New Jersey, Maryland, and Texas. He holds insurance licenses only. He holds no securities licenses, and he does not sell variable annuities, variable universal life, mutual funds, or any product regulated by the SEC or FINRA.
What he does build: disability income, life insurance, long-term care, fixed and fixed indexed annuities, and business protection such as key-person coverage, buy-sell funding, and business overhead expense insurance.
- One company's product shelf
- Same answer regardless of your situation
- No side-by-side carrier comparison
- Full independent market access across multiple A-rated carriers
- Carrier chosen by your income, health, and goals
- Comparison built into every recommendation
See a securities-licensed advisor for portfolio management and investment advice. See an insurance specialist when the question is what happens to your paycheck, your family, or your business if you cannot work or you die. APB coordinates with your existing CPA, attorney, and advisor rather than replacing them.
Not sure where your gaps are? The Financial Resilience Diagnostic (households, 45 minutes) and the Business Financial Resilience Diagnostic (business owners, 60 minutes) are free and produce a written summary of your largest protection gaps.
Business owner? Book the BFRD at apbfinancialarchitect.com/bfrd