Robert A. Imparato, Jr CFP®

CERTIFIED FINANCIAL PLANNER™ professional

 

Craig A. Hyldahl CFP®

CERTIFIED FINANCIAL PLANNER™ professional

 

R.I.C.H. Planning Group, LLC

105 Fieldcrest Avenue, Suite #507

Edison, NJ 08837

 

Robert: 732-326-5240

Craig:   732-326-5240

Fax:     732-326-5331

 

Robert: robert@richplanninggroup.com

Craig: craig@richplanninggroup.com

Website: www.richplanninggroup.com

July/August 2019

When Disaster Strikes

When Disaster Strikes

Summer’s here and damaging water and wind may soon follow. While you can’t stop Mother Nature, you can take steps to limit the financial impact of a hurricane, tornado or flood.


Practical Steps
If you live in a rainy area, it is crucial to make sure gutters and storm drains are clear of debris. Keep valuables and important papers on high ground and raise furnaces and water heaters to help prevent water damage if you live in a flood-prone area. Storm shutters may help prevent some damage if a windstorm strikes. Identify a safe room or area, should you have to shelter in place during a natural disaster.


Get Insured
Owning homeowners or renters insurance may help protect you financially from a variety of perils, but it won’t cover flood damage. If you live in an area that may flood, look into the National Flood Insurance Program to make sure you are at least partially protected.


Your property insurance also won’t cover earthquake damage. For that, you’ll need specialized coverage. Your policy may include coverage for tornado or hurricane wind damage, but it may have a separate and higher deductible than the rest of your homeowners coverage. To learn whether you’re covered or not, talk to an insurance professional.

GE-2374152a (2/19)(Exp. 2/21)


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Securities offered through Equitable Advisors, LLC (NY,NY (212) 314-4600), member FINRA,SIPC (Equitable Financial Advisors in MI & TN). Investment advisory products and services offered through Equitable Advisors, LLC, an SEC-registered investment advisor. Annuity and insurance products offered through Equitable Network, LLC, which conducts business in California as Equitable Network Insurance Agency of California, LLC; in Utah as Equitable Network Insurance Agency of Utah, LLC; and in PR as Equitable Network of Puerto Rico, Inc. Equitable Advisors and Equitable Network are affiliated companies and do not provide tax or legal advice. R.I.C.H. Planning Group, LLC is not owned or operated by Equitable Advisors or Equitable Network. Equitable Advisors and Equitable Network are brand names for Equitable Advisors, LLC and Equitable Network, LLC, respectively. GE-4833845.1 (7/22)(Exp. 7/24) CFP® and CERTIFIED FINANCIAL PLANNER™ are certification marks owned by the Certified Financial Planner Board of Standards, Inc.
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