Ray S. Celedinas

The lifestyle of an athlete can change in an instant. Whether that change occurs due to a first-round draft pick, a series-winning performance or a major championship, professional athletes often experience a significant increase in potential exposures veritably overnight. In fact, the window of opportunity for the vast majority of athletes is a short one. According to recent statistics, the average career length of an […]

If you belong to a family with substantial or even moderate wealth, you may become a focus of the media, increasing the risk that you’ll be targeted by criminals. Risks may include home robberies while you are away, identity theft, threats to your personal security and exposure to stalkers and sexual predators. Photos and articles […]

Client expectations in the business world have changed and evolved over the years; however, we’ve found that the expectations of our affluent clientele are well defined. These customers want, and deserve, individualized solutions to their insurance needs; and that’s what we deliver. But what about you? Is your insurance advisor meeting your expectations? Here’s what […]

A yacht insurance policy is a complex contract with many customizable details, depending on the owner’s needs. Many agents are able to write yacht policies for their clients, though they may not fully understand essential details contained in the policy, including the conditions and warranties that may leave owners exposed to unnecessary risks. Yacht policies […]

Many affluent individuals and families ask if they need a personal risk management strategy. The answer is “yes!” Preparing a strategy is key to protecting your assets and safeguarding your legacy. And, working with a professional insurance broker experienced in the high net worth market will allow you to identify and mitigate your potential risk […]

In the last year, the purchase of drones as recreational-use devices by hobbyists has gone up 63 percent. Due to this staggering increase in such a short a period of time, it is safe to say that drones will not be going away anytime soon. According to the Federal Aviation Administration (FAA), drones fall into […]

Kidnap for ransom is a global threat that is happening not only with travel to Latin America, but increasingly with travel worldwide. The number of reported kidnappings has doubled since 2008. High-risk areas include the Middle East, Latin America, Eastern Europe and Asia. Companies with international operations and employees are often the most concerned about […]

In today’s litigious society, multimillion dollar judgments have become increasingly common, and obtaining the proper amount of liability protection is essential to wealth preservation. Legal proceedings, settlements and judgments for uncovered personal liability exposures can be devastating. The liability limits on homeowners, automobile, watercraft and other personal insurance policies may not be enough to cover […]

Affluent individuals look to insurance professionals to provide extraordinary coverage, giving them the security of knowing they are protected from the expense and liability of a number of risks. Private client services provided by exceptional brokers go beyond the need for typical policy coverages, helping clients increase the safety and security of their lives. The […]

You have spent years accumulating fine art, but have you recently reviewed your emergency plan to secure your collection from natural disasters? A comprehensive plan is necessary for your art collection, especially if it is in a catastrophe-prone area. Several precautions can be taken to safeguard your collection. 1. You should first create a comprehensive […]

Affluent individuals look to insurance professionals to provide them the security of knowing they are protected from the expense and liability of complicated and unusual risks. As the number and variety of those risks are considerably higher for high net worth families than for average households, the former face a greater potential for loss. The […]