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For Financial Advisors
Impact to AUM analysis
When a client is underinsured, the shortfall doesn't go away. It moves to your portfolio.
A large loss doesn't need to be a total loss to expose a coverage gap. When repair or rebuild costs exceed the dwelling limit, even partially, the difference becomes the client's problem. That money has to come from somewhere: retirement accounts, home equity, or the investment assets you manage. This analysis shows the real out-of-pocket cost of each funding option, built for the advisor conversation, not the insurance conversation.
Why reviewing rebuild cost falls within an advisor's fiduciary obligation
An underinsured home isn't just an insurance problem. It's a balance sheet risk that draws from assets you manage.
A $300,000 rebuild gap on a custom home can wipe out years of portfolio growth when funded from retirement accounts after taxes and penalties.
Documenting a rebuild cost review demonstrates fiduciary diligence on the entire balance sheet, not just investable assets.
Construction costs rose 30–40% between 2019 and 2024. Most dwelling limits did not keep pace, creating a silent, widespread exposure across client portfolios.
This conversation positions you as the advisor who sees around corners, protects the whole balance sheet, and has the documentation to prove it.
Advisor Access
See the full Impact to AUM analysis
Enter your details below to access the complete funding scenario analysis: the real out-of-pocket cost of covering a coverage gap from each asset source your client has available.
401(k) distribution, taxes plus 10% penalty modeled
Your details have been received. A member of our team will reach out shortly. In the meantime, use the full analysis below for any client scenario.
Client profile
$
Home equity available$400,000
401(k) balance$800,000
Coverage gap to fund
$175,000
select a scenario to see its real cost
Tax bracket
32%
Select a funding scenario
True cost by funding scenario
Take the next step
This is a planning estimate. Your clients deserve the real number.
The full in-app rebuild cost tool uses industry-grade valuation methodology (Marshall & Swift) and accounts for specific home features, local material costs, and construction complexity this tool can't see. It delivers the complete picture: every coverage gap across your client's home, auto, landlord, and umbrella policies, with a shareable client report to document your fiduciary review. Rebuild cost analysis is also available for landlord and investment properties.