The $6M Mistake Most Homeowners Never Consider

April 16, 2026

Here’s what we discuss in this episode:

🏗️ Build Phase Risk: Major assets can be exposed before they’re even completed

📈 Success Problem: More wealth = more things that can go wrong

🧠 Blind Spots: The biggest risks are often the ones you never think to ask about

📅 Proactive Planning: Protection needs to evolve as your life evolves

🤝 Coordinated Strategy: Gaps show up when professionals aren’t aligned

As your wealth grows, so does your exposure to risk, but your protection strategy doesn’t always grow with it. Rob shares a real-life case of a multimillion-dollar home under construction that had no coverage in place if disaster struck during the build. It’s a clear reminder that the most dangerous risks are often the ones you’re not thinking about, and why proactive, ongoing planning is crucial as your financial life becomes more complex.


Go inside the episode:

0:00 – The Biggest Risk 

0:58 – Overlooking fire risk

2:09 – How wealth increases exposure

2:55 – Why annual risk reviews matter

4:08 – How to protect yourself

5:20 – Collaborative approach and second opinions

7:10 – Final Takeaways


Helpful Resources:


Phone: 801-717-9237

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