Uniting Real Estate and Insurance

Introduction: Bridging the Gap

In today’s complex world, where financial stability and security are paramount, Ebi and I embarked on a journey to redefine how families manage their real estate and insurance needs. This journey led to the creation of Kodgeti Group. We frequently encountered skepticism: “Why combine real estate and insurance? Aren’t they just two sides of the same coin?” To many, these industries seemed unrelated, yet we uncovered a critical flaw—a "structural gap" that jeopardizes family legacies.

The Structural Gap: The Hidden Risk

With decades of experience in structural engineering and healthcare administration, we identified a glaring issue: the disconnect between acquiring a home, securing insurance, and planning estates. This separation leaves families vulnerable to unexpected challenges. Our solution? Merge real estate and insurance to address this vulnerability head-on, creating a seamless experience that fortifies family legacies and offers peace of mind.

Real Estate as Structure; Insurance as Safety Valve

In Ebi’s engineering career, he learned that without accounting for external pressures, even the most beautiful structures fail. Similarly, real estate is the physical manifestation of your hard work, but without insurance—your safety valve—a sudden liability or lawsuit can crack its foundation. By integrating these elements, we ensure that your property isn’t just owned; it’s protected against life’s unpredictable storms.

The Healthcare Crisis: A Threat to Real Estate

In my healthcare administration career, I witnessed families liquidate assets to cover long-term care or medical emergencies. At Kodgeti Group, we merge insurance strategies with real estate protection to prevent such scenarios. With the right insurance, your assets remain intact, and your legacy untouchable, even when faced with healthcare challenges.

Solving the Probate Trap

Real estate often gets entangled in the lengthy probate process. While we use real estate strategies like titling and trusts to bypass courts, we employ life insurance to provide heirs with immediate liquidity. This dual approach prevents families from becoming "Asset Rich but Cash Poor" during challenging times.

Our Unique Solution: Guided Stewardship

As a retired nurse and administrator, I advocate for a holistic approach to home and financial management. Ebi’s systems-thinking ensures every aspect of your financial safety net is analyzed for stability. Together, we offer "Guided Stewardship," a philosophy of holistic care that aligns your home and financial assets seamlessly.

What This Means for You, a Houston Homeowner or Future Buyer

At Kodgeti Group, we offer more than just transactions; we provide a comprehensive, integrated service that addresses your entire financial picture:

• When Buying a Home: We analyze how the purchase affects your risk profile and financial plan, ensuring robust insurance and mortgage alignment.

• When Selling or Downsizing: We guide you on net proceeds and their best financial use—whether funding a policy, investing for income, or protecting assets for heirs.

• Year-Round Stewardship: We conduct annual audits to ensure your coverage aligns with home improvements, market changes, and life events.

Built on Trust, Engineered for Security

Our approach isn’t a business model devised in a boardroom; it’s a culmination of our life stories—Ebi’s precision, my advocacy, and our shared dedication to family stewardship. We combined real estate and insurance because life doesn’t occur in silos. Your home and financial plan are the foundation of your family’s well-being, deserving careful stewardship.

Ready to embark on this journey of integrated stewardship? Start with our free Houston Family Stewardship Checklist—your first step towards aligning your home with financial peace