All Policies Are Not Created Equal

Life happens. It happens at home when our washing machines overflow, basements flood, and when our roofs are damaged by trees that fall during storms. It happens on the go when road debris chips the paint on our cars and when we get rear-ended during rush hour. Any of these issues result in a financial strain we weren’t expecting.

When it comes to covering life’s inconveniences, unfortunately, not all insurance policies are created equal. Fortunately, we are here to help. Click here to begin your FREE rate comparison! 

Wind Damaged Home
Auto accident
boat accident

Avoid These 5 Common Mistakes

When obtaining homeowners insurance, it’s important to view your home objectively. Make sure you keep the following few items in mind:

  1. The cost it would be to rebuild your home if you had to rebuild it today.
    • Building costs are always changing; be sure your insurance policy changes with them.
  2. Structural damage
    • Storms, wind, and broad temperature fluctuations are common for our area.
    • Think of the cost it would be to replace pipes, windows, or your roof.
  3. The value of the contents of your home
    • Don’t forget what’s important to you that’s inside the home. Jewelry, furniture, paintings, appliances just to name a few.

If you’re not sure you’ve got the right coverage amounts or would just like to have a second opinion, Call Chris today to get the advice of an expert.

The last step in purchasing a new vehicle is ensuring you have the right coverage for it. When you get a new vehicle, your coverage for your old vehicle may not necessarily apply to your new one. There are several different types of coverage including comprehensive, collision, and liability. It’s important to have the correct amount of coverage to be sure you’re covered in case of an accident. If you’re unsure what type and/or amount of coverage you need or would like a second opinion, get the advice of an expert and Call Chris today.

Work hard, play hard – but not too hard. Unfortunately, your adult toys are not automatically covered by your home or auto insurance policy. They sometimes need their own policies to ensure you’re covered for all of life’s fun. Call Chris to see if you could benefit from this type of coverage.

What kind of coverage should you have? How much coverage is needed? Your auto, home, and recreational insurance make up a collection of different policies covering you in different ways. Choosing the minimum coverage with these policies isn’t always the best choice. You’re on the hook for when costs exceed your coverage. We generally tell our clients that a good starting point is to make sure you’re covered 100-200% of the total value of all of your assets. Call Chris to see what amount of coverage is appropriate for your lifestyle. 

In the past few years, insurance rates have decreased. More types of insurance, deductibles, and coverage amounts are now available. There are often savings offered for meeting specific requirements. Your premium can be lowered with broader coverage. It’s important to make sure you’re up-to-date on the cost trends of insurance rates to be sure you’re receiving the best rates. If you’d like to learn more, Call Chris today.

Couple with financial troubles
jewelry valuables
washing machine malfunction

Client First Is Here For You

Be prepared for life’s inevitable inconveniences.

Auto and home insurance plays a key role in helping clients prepare financially for unexpected life events.

As a fiduciary for our clients, we believe true, holistic planning is the only way to care for our clients’ financial health.

To ensure a strong, holistic insurance plan for our clients, we have access to auto, home, and recreational insurance policy benefits. We provide independent access to best-in-class products, tools and expertise to individual clients.

The area we service includes the following counties: Ozaukee, Washington, Fond du Lac, Sheboygan, and Dodge. We are your local resource who knows you and how to best support you and we are backed by firms highly rated by BBB and AM Best.

For a FREE policy review and comparison quote from your insurance expert, Call Chris today or click here to get the process started immediately!

West Bend Mutual Insurance
Acuity Insurance
Kemper Insurance
Progressive Insurance
Sheboygan Falls Insurance

5 Reasons To See If Your Rates Can Go Down

Over the past few years, many insurance rates have actually gone down.  Here are a few reasons to see if your rates can go down so you can pay less.

          1) More types of insurance are available

    • You can get specific insurance covering your individual needs to cut extra costs.

          2) More deductibles are now available

    • Smart options in deductibles can save you money! We’ll show you when and where you can save.

          3) More options in coverage amounts are available

    • Get rid of excessive coverage and save even more.

          4) There are additional savings for clients who meet certain requirements

    • For example: If you’re a good driver, we have added bonus savings with our good driver rates. 

          5) You can lower your premium with a broader coverage

    • When you use us for more types of insurance (car, home, life, business, toys), your overall premium can go down.

Chris has made a lot of friends by saving people money. He’d like to do the same for you. It’s FREE to let him review your policies! Find out how much you can save this year – and every year by choosing Client First Tax and Wealth Advisors as your insurance provider.

Call Chris at your convenience to see how he can save you money.

Learn More About Chris

Chris Waala
Chris WaalaIndependent Insurance Expert

Chris Waala Independent Insurance Expert

Chris is our friendly teddy bear with a jovial laugh and tons of insurance know-how. We love him. Chris holds licenses in property, casualty, health, and life insurance and has over ten years of experience providing personalized property and casualty insurance plans. Confidence, security, and peace of mind are some things you’ll experience working with Chris. He brings the same leadership and guidance to our clients as he has through his decades of service in the U.S. Army and coaching football and wrestling in our community. Chris is looking forward to partnering with you to provide you with outstanding insurance solutions.

Our Core Values

We love our clients. We are fully committed to their financial well being.

We are fiduciaries for our clients and believe TrueHolistic planing and Adaptiv Investment Management are the only way to care for our clients' financial health.

We continually strive to be aware of opportunities to serve our clients better.

We expect and foster a culture of learning, performance, and exceeding expectations.

We are a family of families and recognize the fullness of life beyond the office.


Let's work together! When you work with Client First as your independent fiduciary advisor, you'll see your entire financial picture in one place with one team.