No matter the problem, we are here to help you find the right solution and make sure that you’re knowledgeable about all of your options. We use our proprietary system RAMM to make sure that we understand your needs and find products that will help you in your circumstances. We are a fee-based firm, so you get to keep more of what's yours.
Quantitative retirement planning would include knowing your after-tax retirement income goal, when adjusted for taxes and inflation.Close
We specialize in business exit and succession planning. We help our clients identify and correct gaps in their estate and financial planning. Taking a fresh look at your existing plan will provide you with the confidence that you are on the right path.Close
Our goal is to provide objective insurance advice for our clients. We are going to use our experience to recommend to you the best product, at the best prices for your individual situation.
We do this by asking you questions about your goals, risk tolerance, and time horizon. We make our recommendations based on our in-depth knowledge and expertise of the insurance industry and what product best suits your needs.Close
Long term Healthcare isn’t something that is often talked about. Who is going to provide care, and is it financially feasible to provide care in the home? These are just two examples of difficult decisions one has to make.
We design programs for our clients that allow them access to the necessary funds from their life insurance contracts to ensure they get the financial support that they need and deserve when the time is necessary.
Many people fail to realize that there is a new generation of insurance products that can provide financial support for these long term needs.Close
What is a Captive?
It is a property casualty insurance company that is formed to cover only the risks of the parent company. The Captive Structure covers only "enterprise risks" that are low frequency but high severity. Examples for agriculture could be: product contamination, business interruption, product recall, mechanical breakdown, transit risks, crop insurance, etc. Other industries would have different enterprise risks.
How does a Captive work?
Premiums paid to the captives are tax deductible, if reasonable, by the parent company. A captive must invest its surplus like an insurance company.
What are the primary benefits of a Captive?
The primary business purpose is to manage risks and to change an expense into a profit center by combining a captive with your current commercial insurance.
What is the first step?
DPIS is engaged through a feasibility process that includes a review of all your existing commercial coverages.
What is the cost?
The cost of a feasibility study would be determined at the time of engagement, and would be applied to the initial set up fee of the captive should the client choose to move forward.Close