Insurance Planning

Securing your financial life.

Many firms dismiss insurance as irrelevant to investment strategy and management. Such an approach is shortsighted — and doesn’t truly serve you.

When considered in the context of a complete Financial Life Management plan, insurance not only offers peace of mind today — but it can also play a significant role in your ongoing financial life.

The potential benefits of insurance include:

  • Significant tax advantages
  • Liquidity when your heirs need it most
  • Reduced dependence on lenders

Read: Advantages of insurance

At any stage of life, insurance may give you confidence today — and security for the future. Let our experienced advisers show you how.

Heather Kelly
Vice President, Risk Management
Richard Backora
Vice President, Risk Management
Dave Cass
Regional Director, Risk Management
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Heather Kelly, RHU, HIA, MHP, CLU

Vice President, Risk Management

Heather is responsible for the leading United Capital Risk Management, LLC. Her responsibilities include fostering a platform that promotes integrating unbiased risk management strategies into the planning process. Her expertise is educating advisers and clients on how properly designed, executed and managed insurance-based products can augment global planning and financial stability. Her acumen and experience uniquely positions her to improve the lives of United Capital’s clients, advisers and employees she works with.

The desire to give back is a driving force for Heather. She has served on industry and philanthropic boards and committees. Athena International recognized her as their first nationwide recipient of the Young Professional Leadership Award, recognizing Heather for professional excellence, community service and actively assisting women in their attainment of professional excellence and leadership skills.

Heather resides in Florida with David, her husband of 18 years, and Nathaniel, their six-year-old son. In addition to being a mom and wife, Heather’s passions include reading, fishing and cycling.

Previous experience:

  • National Marketing Specialist
  • Director of Business Solutions
  • Managing Director of Strategic Alliances
  • Sales Vice President
  • Estate Planning Consultant
  • Brokerage Manager and Associate General Agent

Awards, designations and registrations:

  • Health Insurance Associate (HIA) designation
  • Managed Health Professional (MHP) designation
  • Registered Health Underwriter (RHU) designation
  • Chartered Life Underwriter (CLU) designation
  • Matriculated for her Chartered Financial Consultant (ChFC) accreditation
  • Insurance licensed in all 50 states and District of Columbia
  • Series 6, 63 and 26 registrations

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Richard Backora

Vice President, Risk Management

Richard has been in the insurance industry 20 years and began his career as a Financial Adviser. His expertise lies in working with advisers to provide sound, impartial risk management solutions for their clients. Richard is adept in concepts pertaining to legacy planning, business succession and wealth management/retirement income solutions, utilizing insurance-based strategies acumen to help improve client lives.

He served as team leader and liaison for national independent broker dealers and financial institutions to develop holistic and macroeconomic approach and delivery platforms. He has been a speaker at both regional and national conferences on various industry topics with the focus on being client-centric.

Richard is an avid sports fan, both watching and participating. He recently trained for and completed the Tough Mudder and looks forward to competing in the Spartan Race and participating in Sealfit 20X.

Previous experience:

  • Regional Vice President, Genworth LTC
  • Senior Vice President, Highland Capital
  • BDO, Crump Life Insurance

Education and designations:

  • Bloomsburg University
  • The American College
  • Certified in Long-Term Care (CLTC) designation

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Dave Cass

Regional Director, Risk Management

Dave has provided investment, insurance and financial planning expertise to financial advisers and retail clients during his career. He began as a financial adviser for Edward Jones and had the distinction of being named a Limited Partner. Also at Jones, Dave was Director of the Political Action Task Force for the state of Ohio, in which he formulated the strategy and led the efforts to lobby the elected state and federal representatives concerning crucial industry issues.
Dave was also an adviser and Branch Manager for a Merrill Lynch office. In that capacity, he provided his institutional and retail clients financial planning expertise including investment management, retirement and legacy planning.
He has worked for major insurance carriers, including John Hancock, Travelers, Lincoln and Sun Life as a Division Sales Manager. He was integral in planning a strategy and implementing it to help financial advisers and their clients access the products, tools and expertise these carriers have at their disposal. In this role, Dave was also a leader in measured performance.
Throughout his career in the financial services industry, Dave’s number one goal, no matter the capacity, has been to always do what is right for the client.

Previous experience:

  • Financial Adviser and Limited Partner with Edward Jones
  • Financial Adviser and Branch Manager with Merrill Lynch
  • Regional Sales Manager with four Fortune 500 Companies in the Financial Services sector providing point of sales service in both annuities and life insurance, to financial adviser and their clients
  • Director of Business Development for Arthur Andersen in the central Ohio area for both Business Consulting and Tax & Audit divisions
  • Vice President at General American Life Insurance in the Private Placement division

Education and designations:

  • BS, The Ohio State University
  • Series 6, 7, 65 and 66 and Life and Health Insurance

Speak with an insurance expert.