Michael DuBois

Mike is a Managing Director and Personal Risk Management Specialist. Mike brings forty years of insurance industry experience to West Branch Capital. He will focus on advising clients on annuities, life insurance, retirement products, disability income, long-term care insurance and other insurance products. He will evaluate the quality of the options available to clients and make independent and objective recommendations as part of the firm’s holistic advisory approach to clients’ wealth and risk management needs. In keeping with the firm’s tradition, he will not “sell” any insurance products or policies. Prior to his retirement as an actuary from MassMutual in 2019, he was a regular speaker at actuarial conferences, served as an advisor on studies by the Society of Actuaries (SOA) and participated in the education and examination committees of the SOA. Mike is a graduate of Rensselaer Polytechnic Institute, a Fellow in the SOA (FSA) and a Member of the American Academy of Actuaries (MAAA).

Paying for Long-Term Care

As you navigate retirement and the aging process for yourself or a family member, it can be daunting to figure out how to cover the costs of Long-Term Care (LTC). In addition to the tips discussed here, please also see our “Retirement Basics” guide. LTC costs could approach $500,000 (and possibly exceed) in some states. …

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The World of Insurance

By definition, insurance is “coverage by contract whereby one party undertakes to indemnify or guarantee another against loss by a specified contingency or peril.” A specified contingency or peril is a risk. In essence, insurance provides people with peace of mind against risks. Every contract provides different protection at different costs, and should be reviewed …

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Consider a Financial Caretaking Plan

A Financial Caretaking Plan outlines the steps you take to transfer bill paying, investment management, estate planning, and tasks you need to complete to prepare for the day you can no longer manage finances on your own. 

This enables us to help you prepare for transition of financial management to your financial caretaker(s). If portions of the questionnaire are not applicable, that’s ok! We can work on this report together to reflect your plans.

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Do You Need a Trust?

Download our guide which provides a broad overview of some of the most commonly used trusts FAQ. We collaborate with estate planners and can explore with you if a trust could benefit you and your family.

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We're here to help.

Download our guide to understanding long term care expenses and options.

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