Term vs. Permanent
Cost vs. Flexibility
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See how term stays cheap early but renewals explode later.
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Cash-value policies cost more but can fund major goals if you manage them well.
Living Benefits You Can Tap While Alive
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Riders for chronic illness, critical illness, and LTC.
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Adding one can cut future care costs without draining savings.
Insurability Window
Health Changes Fast
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Your current health class locks in premiums for decades.
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Convert or add coverage before a medical surprise prices you out.
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Richard Leimgruber, CRPC®
"To have success you need a plan. To achieve success you need to take action."
Richard L. Leimgruber, CRPC®, is a Private Wealth Advisor bringing over 25 years of experience to his work helping individuals and families build financial plans that reflect their unique goals and dreams. Richard’s approach is personal and thoughtful, he takes the time to understand what matters most to each client and crafts strategies that support their journey toward financial security and peace of mind.
Recently, Richard launched a financial podcast to extend his reach and share practical advice with a wider audience. Through this platform, he aims to make financial wisdom accessible to a broader audience, empowering listeners with the insights and tools needed to enrich their lives.
Whether someone is new to financial planning or a seasoned investor, Richard believes everyone deserves access to wisdom that can make life better.
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