Portfolio protection and insurance coordination
Risk Management
A 30% loss at 35 is recoverable. The same loss at 62 can change everything. We identify where you are exposed and build safeguards before the downturn arrives.
A 30 Percent Loss at 62 Is Not the Same as One at 35
Risk is not just about the stock market. It includes interest rate shifts, inflation erosion, concentrated positions, insurance gaps, and the gap between what you think your risk tolerance is and what your portfolio actually reflects. A 30 percent loss at 35 is recoverable. The same loss at 62 can change everything. We identify where you are exposed and build safeguards before the downturn arrives.
The market will drop. That is not a prediction, it is a certainty. The only question is whether you have identified your vulnerabilities before it happens.
What a Real Risk Review Covers
Most risk reviews stop at the portfolio. Ours does not. We look at every place a loss could land and quantify it.
- Market risk, stress-testing your portfolio against historical drawdowns and your specific time horizon
- Concentration risk, identifying single-stock or sector exposure and building a diversification glide path
- Sequence-of-returns risk, modeling what an early-retirement loss does to lifetime income
- Insurance gaps, reviewing life, long-term care, disability, and umbrella coverage for missing layers
- Inflation and interest-rate exposure, checking how your fixed income holds up against rising rates
Why It Matters
Insurance gaps in life coverage, long-term care, or liability protection can expose your family to financial damage that no investment strategy can offset. A coordinated risk plan looks at all of it together, and it is the difference between weathering a downturn and being permanently set back by one.
The market will drop. That is not a prediction, it is a certainty. The only question is whether you have identified your vulnerabilities before it happens.
When Risk Deserves a Closer Look
These situations signal that your current exposure may need attention.
- Within 10 Years of Retirement. Your recovery window is shrinking. A major loss now has a permanent impact on your retirement income.
- Single-Stock or Sector Concentration. Company stock, real estate, or industry-heavy portfolios amplify risk that diversification can reduce.
- Gaps in Insurance Coverage. Missing or insufficient life, long-term care, or liability coverage creates exposure no portfolio can fix.
- Business Equity as Largest Asset. If your business represents most of your net worth, your financial plan depends on a single, illiquid asset.
Meet Your Advisors
Decades of Credentialed, Fiduciary Experience
The wealth and retirement work happens with the people below. Each one carries the licensing, registrations, and continuing education behind every recommendation we make.
Chris Cohan
CEO | ChFC®, RMA®
ChFC® · RMA® · Series 6, 63, 65 · AZ Life & Health
With over 25 years in financial services and deep Arizona roots, Chris takes a steady, thoughtful approach to wealth and estate planning. As a Chartered Financial Consultant® (ChFC®) and Retirement Management Advisor® (RMA®), he helps individuals and families build, protect, and transfer wealth through personalized strategies.
View ProfileStephen Levin
Tucson Director of Risk Management | Senior Planning Consultant | Licensed Insurance Agent
Licensed Insurance Agent
Stephen brings a background in risk management to his role at RJP, where he helps Tucson-area families protect what they've worked so hard to build. Before transitioning into estate and insurance planning, he spent years in risk-management leadership, learning how to spot vulnerabilities and build strategies that hold up when it matters most.
View ProfileRon Tallou
Wealth Management Advisor, Fiduciary
Series 6, 63, 65 · Licensed Insurance Agent
Born and raised in Michigan, Ron developed a strong work ethic and deep appreciation for community values early in life. These formative experiences ignited a lifelong passion for wealth management, ultimately shaping his career in finance.
View ProfileThomas Fryar
Senior Planning Consultant | Licensed Insurance Agent
Licensed Insurance Agent
As a financial services professional since 1978, Thomas has developed risk-managed retirement income and estate-transfer strategies that help clients protect lifetime cash flow, provide for surviving spouses or special-needs family members, and pass wealth efficiently across generations. His four decades in life insurance and planning inform a disciplined, education-driven approach to protecting family assets.
View ProfileLenny Trujillo
Senior Planning Consultant | CLDP | Licensed Insurance Agent
Certified Legal Document Preparer (CLDP) · Licensed Insurance Agent
For more than 25 years, Lenny has helped Arizona families sit down at the kitchen table and finally make sense of retirement, trusts, and what happens to everything they've worked for. A Certified Legal Document Preparer and licensed life and health insurance agent, he walks clients through revocable living trusts, special needs planning, powers of attorney, and insurance-based asset protection in plain English. Clients consistently describe him as patient, warm, and genuinely interested in their story, the kind of advisor who'll pause the paperwork to hear about the grandkids before getting back to the signatures.
View ProfileRalph Abate
Senior Planning Consultant | Licensed Insurance Agent
Licensed Insurance Agent
Drawing on more than 30 years in insurance and retirement-income planning, Ralph structures tax-efficient wealth-transfer and protection solutions for RJP clients. His analytical approach and coaching style help households understand complex options and make informed decisions.
View Profile
Client Testimonials
Common Risk Management Questions
Answers to the questions Arizona families ask most about risk management.