Entity Risk Management & Vendor Selection

Risk Management for Entities

Your business isn’t just a collection of spreadsheets and revenue goals—it’s a living, breathing system with real liabilities, obligations, and exposure. Entity-level risk management looks at the entire ecosystem of your business: operations, leadership, benefits, succession, and liability—and builds strategies to help your organization stay strong under pressure.

At Pointer Creek Wealth Management, we bring a fiduciary, CFP® practitioner-led approach to corporate and institutional risk, including the often overlooked but critically important task of selecting the best vendors when transferring risk to insurance solutions.

What We're Actually Managing

Risk management at the entity level doesn’t mean dodging every bullet. It means understanding where the bullets are coming from—and having a plan to protect what matters. We help business owners and organizational leaders assess and address:

Key Person Risk – Protection for top revenue-generators and/or company founders.
Executive Benefit Risk – Are your most valuable employees protected and incentivized to stay?
Group Benefits Cost/Value Benchmarking – We benchmark to ensure sure your vendors are competitive, cost-conscious, and built to scale.
Buy-sell Agreement Funding – Are you prepared (with cash flow, sinking fund or insurance contract) if an equity owner wants or needs out?
Liability Coverage Gaps – From cyber liability to professional and general business liability—we help identify potential gaps worth investigating, and those that are not.
Ownership Transition Risk – Especially for closely held or family-run businesses, we help protect against costly or chaotic transitions.

Vendor Selection = Carrier Due Diligence

When transferring risk to an insurance company, who you choose matters. In this context, “vendor” is the insurance carrier, and our job is to vet the options, compare cost and coverage, and ensure their solution aligns with your broader plan. We help you conduct cost/benefit due diligence on your existing vendors including:

Health Insurance Carriers
Group Life & Disability Providers
Long-Term Care & Hybrid Carriers
Buy-Sell & Key-Person Insurance Policies
Captive and Self-Insured Arrangements

Pointer Creek Wealth Management is 100% carrier agnostic and offers fee-based consulting. There will never be an insurance company behind the curtain pulling our strings, which means our risk management planning recommendations are based on your needs, not commission grids or sales quotas. Any implementation you might require will be summarized and hanged off to the insurance entity of your choosing.

How We Work

Diagnose - We start with a full review of you entity's structure, obligations, and existing coverage.
Design - Then we model a range of protection strategies, with full evaluation of cost, performance, and vendor reputation.
Deploy & Monitor - Finally, we help implement the selected strategies, coordinate with the chosen carriers, and revisit the plan as you organization requests.

Why It Matters

The wrong insurance structure—or the wrong vendor—can undermine an otherwise sound business plan. Whether you’re protecting key leadership, funding a buyout, or keeping your benefits package competitive, you need a partner who understands both risk and the market of carriers.

Pointer Creek Wealth Management brings fiduciary integrity to a world that’s too often driven by commissions. We’ll help you build protection that actually protects—and we’ll back it up with transparent carrier comparisons and experienced implementation support, all accomplished through insurance solutions.