If you are new to working in the business market, you may fear that “talking shop” with business owners at a social gathering could be considered tacky. Fortunately, there is a simple way to get your message across without coming across as tacky. Just ask questions. But not just any questions. Ask questions that anyone […]
Situation: In my work with business owners, I’ve often noticed financial advisors leading with buy-sell/business succession planning. Having a succession plan in place protects the owner’s family in the event of an untimely death, but for relatively new businesses or younger business owners such a conversation may fall on “deaf ears.” Even with more mature […]
State death taxes have emerged as the primary concern for most individuals because it’s not unusual for a state to assess taxes even where federal taxes are avoided. Furthermore, in light of the recent proposed changes at the federal level, individuals should consider reviewing their estate plans. Click the link below to view the full list […]
A careful review of a client’s tax returns can provide insight into their insurance and financial planning needs. A review of the lines on a tax return can lead to conversations about:Basic needs analysis and college fundingRetirement and extended care planningLegacy & charitable planningBusiness planningAdditionally, comparing last year’s tax return to this year’s tax return […]
Situation: As we enter 2026, life insurance planning stands at the intersection of evolving tax policies brought about by the One Big Beautiful Bill Act and the focus on our clients’ long-term financial resilience. Life insurance is recognized not only as a tool for income protection but also as a component of broader wealth, estate, […]
When focusing on retirement planning with life insurance, we at DBS would like to examine how the strategies pertain to women. The numbers are clear: women face greater challenges when it comes to retirement planning, and their wants and needs are unique. The DBS Case Design Team has the experience you need to help you […]
The Necessity of Long-Term Care in Retirement Planning When helping their clients formulate plans for retirement, financial advisors must now account for life expectancies into the early 90s. However, the simultaneous need for long-term care planning isn’t accounted for nearly as widely as it should be, considering the significant impact that long-term care expenses can […]
Underwriting long-term care risk is very different from life insurance underwriting, and it all comes down to mortality vs. morbidity. Long-term care underwriting looks at morbidity risk, which takes into account medical impairments that impact a client’s ability to perform daily living activities which would indicate a need for long-term care. Life underwriting, on the […]
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