Our Story

We Started Litmus Because Risk Was Invisible

When protection gaps go unseen, financial plans fail. Litmus was built to change that.

When protection gaps go unseen, financial plans fail.

Litmus was built to change that.

Where It Started

Litmus began with a real-world problem
that wasn't supposed to exist.

During catastrophic wildfires, properties were destroyed and families discovered too late that their coverage didn't 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 wasn't broken

in one place — it was missing entirely.

The Insight That Built Litmus

You can't manage  
what you can't see.

Financial planning has evolved. Investment platforms

are sophisticated, data is accessible, and portfolios are well 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 Exists

Litmus was created to make risk visible,
measurable, and manageable.

To connect assets, liabilities, and protection

into one clear picture.

To give people the ability to understand what they own,

how it's protected, and what needs to change.

Not more insurance. Better understanding.

How We Think

Everything we build is designed to help people

take control of asset risk.

Clarity

Make complex coverage understandable

Certainty

Provide unbiased, trustworthy guidance

Confidence

Help people act before something goes wrong

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

Independence matters

Advice should not be driven

by commissions or incentives

Independence matters

Advice should not be driven

by commissions or incentives

Expertise should be accessible

Complex topics should feel simple,

not overwhelming

Preparation is better than reaction

Preparation is better
than reaction

The best time to understand risk is before something happens

The best time to understand risk

is before something happens

Trust is earned

Through transparency, consistency, and doing what's right

Trust is earned

Through transparency, consistency,

and doing what's right

Founders & Team

Our mission is to bring clarity, confidence, and expert guidance to policyholders navigating personal risk coverage — especially in their most vulnerable moments.

Our mission is to bring clarity, confidence, and expert

guidance to policyholders navigating personal risk coverage —

especially in their most vulnerable moments.

Our mission is to bring clarity, confidence,

and expert guidance to policyholders navigating personal risk coverage — especially in their most vulnerable moments.

Joshua Pianko

Founder & CEO

Focused on closing the gap between financial planning and real-world protection.

Wilder Rumpf

Co-Founder

Brings experience in building and scaling

businesses, focused on product and growth.

Brings experience in building and scaling businesses, focused on product and growth.

Matthew Fatse

Strategic Advisor

Supports strategic development and execution

across the Litmus platform and partnerships.

Traci Adedeji

VP of Advisory Services

30+ years of experience across advisory

and insurance expertise.

Kendall Theriot

Director of Claims Advisory

30+ years in litigation and claims,
focused on real-world outcomes.

30+ years in litigation and claims, focused on real-world outcomes.

Marcia Paulsen

Head of Compliance

30+ years in surplus lines

and regulatory compliance.

Ron Hubbard

Policy Review Specialist

30+ years helping clients understand
coverage clearly.

30+ years helping clients understand coverage clearly.

Rowena Buist

Claims Advisor

34+ years of claims experience supporting households through complex events.

Marcia Paulsen

Head of Compliance

30+ years in surplus lines

and regulatory compliance.

What Makes Litmus Different

Most systems are built around policies.
Litmus 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

Add

My Claims

Contact Advisor

David C.

Asset Value

$9,983,990.65

23,56%

Home

Auto

Valuables

Surrender Value

Coverage Delta

$1,761,607.65

23,56%

Reviewing coverage limits

Yearly Premium

$84,420.00

/ year

Premium as % of coverage: 11.06%

My Policies

Filter

Sort By

My Assets

Assets Value

$3,061,607.65

Asset Coverage

$3,061,607.65

Coverage Gap

$1,607.65

Premium

$3450.57

Auto

statefarm

$3,061,607.65

$1,607.65

$3450.57

Classic Car

allstate

$3,061,607.65

$1,607.65

$3450.57

Classic Car

GEICO

$3,061,607.65

$1,607.65

$3450.57

Auto

statefarm

$3,061,607.65

$1,607.65

$3450.57

Classic Car

allstate

$3,061,607.65

$1,607.65

$3450.57

Classic Car

GEICO

$3,061,607.65

$1,607.65

$3450.57

Liability Insurance

Liability Limit

$3,061,607.65

Insured Limit

$1,607.65

Premium

$3450.57

Lifestyle

Liability Limit

$3,061,607.65

Insured Limit

$1,607.65

Premium

$3450.57

Life & Legacy

Cash Value

$3,061,607.65

Death Benefit

$1,607.65

Premium

$3450.57

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What can I do with my policy?

You can view coverage details, check if you're under- or over-insured, see AI insights, link new assets, or ask me to summarize your policy in simple terms.