Ernest A. Draper, CFP

05/29/2026

Understanding the value of your income is the first step to protecting it. Your income is more than just a paycheck—it’s a long‑term financial asset that could be worth millions over the course of your career.
The question is: how protected is it?

Talk to your financial advisor to learn how disability insurance can help protect that income.

05/28/2026

Most people don’t think about disability insurance until they need it — but by then, it might be too late.

Check out the Futureproofing Your Income report to see why disability insurance matters. https://www.guardianlife.com/reports/insuring-your-income

Most people think disability insurance is for “someday.” But 1 in 4 of today’s 20-year-olds will miss a year of work due to illness or injury.

Guardian’s new research shows how income protection can help make all the difference. https://www.guardianlife.com/reports/insuring-your-income

05/22/2026

Your income helps support everything you do, making it your most valuable asset. Ensuring you have a protection plan in place today can make all the difference tomorrow.

Speak with your financial advisor to learn more about disability insurance.

05/21/2026

You’ve built your business from the ground up. But what happens if you can’t work due to illness or injury? Your income powers your business. Without it, everything you’ve built could be at risk. A well-structured disability insurance plan helps protect your earnings—and your future.

Check out this article by Guardian’s Head of Individual Disability, Harry Monti, on why disability coverage is a must-have for women entrepreneurs. https://thecdia.org/financial-fitness-for-women-entrepreneurs-how-disability-insurance-plays-a-role/

Let’s chat about how to protect your business and your financial well-being.

05/15/2026

Disability is more common than you think.

Speak with a financial advisor about how disability insurance can help you continue to earn an income should an injury or illness keep you from working.

05/15/2026

May is National Small Business Month, a time to truly appreciate the entrepreneurs and small business owners who show up every day for their employees, customers, and communities.

With millions of small businesses across the country, protecting what they’ve worked so hard to build is an important part of helping them continue to thrive. If you’re a small business owner (or know one) and would like to talk through business continuity and individual protection opportunities, I’m always happy to connect.

05/14/2026

Peter spent his career taking care of his surgical patients before he faced an unexpected disability. Thanks to careful planning and disability protection, he’s able to maintain the lifestyle he and his family were used to. Learn more about disability for medical professionals: https://guardianlife.com/about-guardian/guardian-annual/2024

05/07/2026

Guardian’s Disability Income and Waiver of Policy Premium Benefit provides a monthly income benefit and the ability to waive policy premiums in the event of disability. The duo benefits built into the rider help to protect a client’s income, lifestyle, and life insurance coverage when the client is unable to work from a disabling injury or illness.

Read more or contact me today for more information! https://guardianpublic.hartehanks.com/AssetDisplay?acc=11GI&itemCode=PUB12916

05/01/2026

Supporting clients’ financial confidence includes providing thoughtful guidance and effective solutions that can help them face the unexpected with confidence, whether now or in the years ahead. Read in ThinkAdvisor how disability insurance can be an important tool in promoting clients’ overall financial wellness.

Here are three ways advice about income protection can make clients stronger.

04/23/2026

Is your business on its toes looking for opportunity or on its heels fighting to survive? Tough times can bring good values for the right business owners. Want to be ready to pounce?