Insurance That Fits Your Actual Life — Not a Generic Checklist
Most people know they should probably review their insurance coverage. Most people also keep putting it off. We make it part of the plan so it stops being a thing you mean to get around to.
Why Insurance Belongs Inside Your Financial Plan, Not Outside It
When insurance gets handled separately from financial planning — through a dedicated agent, a quick online quote, or an employer's open enrollment default — you end up with coverage that was selected in isolation. It might be too much, not enough, or simply not designed with your actual financial picture in mind.
At Artfx, insurance evaluation is built into holistic financial planning. Kirstin Chavez, CFP®, reviews coverage as part of your broader picture: your income, your dependents, your debt, your savings, and your long-term goals. The question isn't just "what coverage do you have?" It's "does what you have actually protect what matters to you?"
As a fiduciary, Kirstin has no financial incentive to recommend unnecessary coverage. She doesn't earn a commission on what you buy. Her job is to help you figure out what you need — and to be honest when the answer is less than what someone else might try to sell you.
Life Insurance — What You Actually Need, Not What's Easy to Sell
Life insurance is one of the most commonly deferred financial decisions. It feels expensive, complicated, and easy to put off until later. The problem is that later is when it gets more expensive — and when the circumstances that make it most necessary are more likely to exist.
Artfx evaluates life insurance needs against your real financial picture: income replacement requirements, outstanding debt, the cost of caring for dependents, and education funding that would need to be covered if you weren't here. That produces a coverage target grounded in your situation — not a number generated by a formula that doesn't know anything about you.
For freelancers and self-employed professionals, life insurance evaluation is especially important. Without employer-provided group coverage, you're responsible for securing your own protection — and the right policy type, term length, and coverage amount are decisions that benefit from a planning conversation, not just a quick online quote.
Health Insurance for Freelancers and the Self-Employed — Without the Guesswork
Health insurance is consistently one of the top financial concerns for self-employed professionals and freelancers. Without an employer handling selection and subsidizing premiums, you're navigating the marketplace on your own — and the options, costs, and tradeoffs are genuinely confusing.
Artfx helps self-employed clients work through it: marketplace plan selection, HSA strategy and eligibility, deductible logic relative to your actual health utilization patterns, and how your premium costs fit into your overall cash flow and tax picture. Health insurance costs are one of the larger variables in a freelancer's annual budget — and the choices you make at enrollment affect your taxes, your savings capacity, and your exposure for the entire year.
The Insurance Questions Most People Avoid Until Something Forces Them Not To
Do I need a financial advisor to review my life and health insurance?
You don't need one — but working with a fiduciary CFP means your insurance gets evaluated alongside your full financial picture, not in isolation. That context changes the analysis. What you actually need in coverage is almost always different from what a standalone agent or an online quote calculator recommends.
How does a financial advisor evaluate life insurance needs?
We start with your income replacement requirements, your outstanding debt obligations, your dependents, and what it would cost to fund their futures without your income. From there, we identify the type and term of coverage that makes sense — and flag where existing coverage is insufficient or where you may be over-insured.
What are my health insurance options as a self-employed person or freelancer?
The primary options are marketplace plans (through healthcare.gov or your state's exchange), COBRA continuation if you recently left employment, a spouse's employer plan if applicable, and — for some self-employed individuals — association or professional organization plans. The right choice depends on your income, health utilization, and tax situation. We work through those variables with you.
What is an HSA and should I have one?
A Health Savings Account is a tax-advantaged account available when you're enrolled in a qualifying high-deductible health plan. Contributions are tax-deductible, growth is tax-free, and withdrawals for qualified medical expenses are also tax-free — making it one of the more efficient savings vehicles available. Whether it makes sense depends on your health utilization patterns and cash flow. We evaluate it as part of your overall plan.
Does Kirstin earn a commission on insurance products she recommends?
No. Kirstin operates as a fiduciary CFP®, which means she's required to act in your interest — not in the interest of a product she's incentivized to sell. Insurance evaluation at Artfx is advisory, not transactional.