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INSURANCE & PROTECTION

Protecting what you have and what you're building is foundational to a sound financial plan.

MONEY MANAGEMENT

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INSURANCE & PROTECTION
ARE ONLY TWO OF THE PUZZLE PIECES THAT MAKE UP YOUR FINANCIAL PLAN.

Relational Financing Planning

You're working hard toward ensuring you have enough assets to support yourself throughout your lifetime, to own a home where you feel safe and comfortable, to have meaningful work that pays the bills and gives you extra to enjoy your passions in life. Let's make sure those things are protected against the risk of loss. Insurance and protection are part of the financial planning process.

Frequently asked questions about this topic:
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I have disability insurance through work. Do I really need more?​
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Employers often provide a good start with the benefits they provide. What's provided may or may not be sufficient for your specific situation. Do an analysis for yourself to make sure you're covered!

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How much life insurance do I need?​
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There are multiple ways to to calculate your life insurance need. A gap analysis can take into account what you already have in place and what's left to cover, based on your specific needs and wishes.

 
I'm worried about long-term care costs, but isn't long-term care insurance too expensive?​
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Discover what would happen to your financial and family situation should you need long-term care. How detrimental would this be for you and those who care for you? What's the cost to protect against the risk?  What's worse - the impact without protection or the cost of protection?

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WANT TO LEARN MORE?

SCHEDULE AN INITIAL CONVERSATION WITH ROYA AND TEAM

CONTACT US

T: 952-769-2126

F: 612-405-6741

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M—F 8am-5pm

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100 S Fifth Street Suite 2300

Minneapolis MN 55402

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© 2025 by ROYA llc. 

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Check the background of your financial professional on FINRA's BrokerCheck.​

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CRS: https://compass.massmutual.com/api/public/assets/file/blt3e72bd07ab10cfcb

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Securities, investment advisory and financial planning services offered through qualified registered representatives of MML Investors Services, LLC, Member SIPC. ROYA LLC is not a subsidiary or affiliate of MML Investors Services, LLC, or its affiliated companies. 100 South Fifth Street Suite 2300, Minneapolis, MN 55402. (612) 333-1413.

I am registered to offer securities in the following jurisdictions:

Arizona, California, Colorado, Georgia, Hawaii, Illinois, Indiana, Minnesota, Oregon, Texas, Wisconsin, Ohio, Kansas, Vermont, Pennsylvania, Florida, New York, Nevada

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I am licensed to sell insurance in the following jurisdictions: Arizona, California, Colorado, Georgia, Indiana, Kansas, Minnesota, Texas, Wisconsin, Florida, Michigan, New York

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Roya Moltaji, domiciled in Minnesota, California Insurance Lic. #0L09841​

CRN202607-4718678

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