Clarity
Make complex coverage understandable.
OUR STORY
We started Litmus Risk because risk was invisible.
When protection gaps go unseen, financial plans fail. Litmus Risk was built to change that.
WHERE IT STARTED
A real-world problem that wasn’t supposed to exist.
During catastrophic wildfires, properties were destroyed and families discovered too late that their coverage did not match reality. What looked like a solid financial plan on paper broke apart under real-world conditions.
In one case, a client lost multiple properties and had to liquidate millions from an investment portfolio to recover—undoing years of planning.
One overlooked protection gap erased a lifetime of planning.
That moment made something clear: the system was not broken in one place—it was missing entirely.
THE INSIGHT THAT BUILT LITMUS RISK
You cannot manage
what you cannot see.
Financial planning has evolved. Investment platforms are sophisticated, data is accessible, and portfolios are carefully managed.
But risk—across homes, vehicles, valuables, and liability—remains fragmented, unclear, and largely unmanaged.
This is not an insurance problem.It is a visibility problem.
WHY LITMUS RISK EXISTS
To make risk visible, measurable, and manageable.
To connect assets, liabilities, and protection into one clear picture.
To help people understand what they own, how it is protected, and what needs to change.
CLEAR ROLES ACROSS THE ECOSYSTEM
One technology platform.
Distinct professional relationships.
Litmus Risk powers the advisory firm's P&C Desk with an institutional platform and insurance and claims experts. The advisory firm keeps its client relationship; the advisor directs whether the Desk prepares behind the scenes, joins a meeting, or meets the client, while Litmus manages the advisor-facing workflow.
Litmus licensed professionals provide policy and claims support within their authority. Litmus licensed insurance professionals review information, explain coverage, identify potential gaps, and provide guidance. Litmus claims coaches are licensed adjusters who help clients prepare and organize after a loss. When a client wants to shop, replace, or place coverage, the client may keep an incumbent broker or authorize an introduction to a participating brokerage firm, which provides quotes, places and binds coverage, and services the policy.
The client decides whether to proceed and may keep an incumbent broker. The Desk remains available across placement paths and leads with high-net-worth personal risk; commercial needs are a secondary path. The institutional software subscription is not offered to consumers as a standalone product.
HOW WE THINK
Everything we build helps people take control of asset risk.
Certainty
Provide trustworthy guidance grounded in real information.
Confidence
Help people act before something goes wrong.
WHAT WE BELIEVE
Expertise should be accessible
Complex topics should feel simple, not overwhelming.
Clarity is power
People make better decisions when they understand what they have.
Continuity matters
The advisor-facing Desk should remain accountable even when the broker or placement path changes.
Preparation beats reaction
The best time to understand risk is before something happens.
Trust is earned
Through transparency, consistency, and doing what is right.
FOUNDERS & TEAM
Built by people who understand what is at stake.
Our mission is to bring clarity, confidence, and expert guidance to the professionals and policyholders navigating personal risk—especially in their most vulnerable moments.
Joshua Pianko
Founder & CEOFocused on closing the gap between financial planning and real-world protection.
Wilder Rumpf
Co-FounderBrings experience building and scaling businesses, with a focus on product and growth.
Matthew Fatse
Strategic AdvisorSupports strategic development and execution across the Litmus Risk platform and partnerships.
Traci May
VP of Advisory ServicesMore than 30 years of experience across advisory and insurance expertise.
Kendall Theriot
Director of Claims AdvisoryMore than 30 years in litigation and claims, focused on real-world outcomes.
Marcia Paulsen
Head of ComplianceMore than 30 years in surplus lines and regulatory compliance.
Rowena Buist
Claims AdvisorMore than 34 years of claims experience supporting households through complex events.
WHAT MAKES LITMUS RISK DIFFERENT
Most systems are built around policies.
Litmus Risk is built around people and what they own.
Organized around assets, not documents.
Designed for understanding, not just storage.
Built to support decisions, not just transactions.
MAKE RISK VISIBLE
See the whole picture.
Discover how Litmus Risk can work inside your firm.
Request a demo ↗