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Business Planning
Strategic Planning
Investment Solutions
Insurance Solutions
Strategic Planning
In the whirlwind of day-to-day business activities, small business owners often find themselves caught up in the hustle, temporarily losing sight of the grand vision they initially set out to achieve. As your company blossoms and evolves, it’s absolutely vital to stay laser-focused on your priorities. That way, your business endeavors remain perfectly aligned with your long-term personal goals and objectives.
With decades of experience working closely with passionate business owners like you, Demboski & Chapman can help propel you forward in countless exciting ways to help ensure both your personal and business financial success.
Strengthening Personal Finances and Building Wealth:
Many dedicated business owners become so deeply immersed in steering their companies toward success that they unintentionally place their personal finances on the back burner. This often happens when most of their liquid assets are tied up in the business. However, the journey to financial independence and the creation of personal wealth demands a purposeful approach. By partnering with our exceptional team and engaging in regular financial reviews, you’ll be empowered to take action, fortifying your personal financial foundation like never before.
Retaining the Company within Your Family:
If your business is a family affair, your goal may be to keep the torch burning within the family lineage. In this scenario, it’s time to explore transfer tax issues and weave together a business succession plan that will serve as the blueprint for your long-term ambitions. Your family’s legacy and your business’s enduring success await!
Developing an Exit Strategy:
Picture a future where your small business is not only successful but also marketable. Crafting a thoughtfully designed “exit” strategy ensures that you’re prepared, whether you choose to divest voluntarily or face unforeseen circumstances like disability or loss. It’s all about securing a future where the value of your business matches the financial freedom you desire.
Investment Solutions
Optimizing Retirement Plans for Your Business
As a business owner, you have access to a range of tax-advantaged retirement savings tools that can benefit both you and your employees. With the right plan, you can create a strategy that works for everyone. Our specialized team will guide you through the available options, helping you choose the best fit for your company’s unique needs—whether that’s a 401(k), Cash Balance Plan, Profit Sharing, or SIMPLE/SEP IRA. We’ll also help you explore non-qualified plans that offer additional benefits for key employees, giving you the flexibility to tailor your retirement plan to your team’s structure. Let us help you use your retirement plan effectively to maximize value for your business and your people.
Insurance Solutions
Protecting Your Employees through Employee Benefits
A strong business starts with a healthy team. Offering the right benefits isn’t just a perk—it’s a smart investment in your company’s future. With a well-designed, tax-efficient insurance strategy, your employees gain access to quality care and the financial support to afford it. Just as important, we help ensure your team truly understands and values these benefits. After all, people can’t appreciate what they don’t understand. Our role is to bring Clarity and Confidence to your benefits program—so your employees feel supported, and you see the return on your investment.
Protecting Your Business Against Loss of Key Employees
Behind every thriving business stands remarkable individuals whose knowledge, leadership, judgment, and connections drive profitable outcomes. The sudden loss of a key person can cast a shadow over the business’s future. But fear not, for Key Person Life Insurance swoops in as a pivotal source of revenue replacement. Moreover, this insurance can be artfully designed to accumulate reserves, potentially fueling your retirement dreams, facilitating seamless transition planning, or funding the retraining of future leaders. It can be a game-changer that works toward securing your business and your dreams.
Protecting a Business Partnership:
In the world of business partnerships, trust and shared vision reign supreme. However, the unexpected passing of a business partner can throw everything into uncertainty. Enter the Buy-Sell Agreement, a mighty shield that safeguards your business and remaining owners from discord, confusion, and the risks of uninformed shareholders. It also streamlines control among the agreed-upon group while establishing clear value for each owner’s business interest. For the heirs of a departed business owner, a buysell agreement is designed to liberate them from dependence on surviving owners.
Testimonials
“Working with DCFIS has been a seamless experience—knowledgeable, caring, and always looking out for our best interests, they’ve given us complete peace of mind with our coverage.”
“We’ve never experienced such genuine care and responsiveness from any benefits advisor — and our employees feel the same way. Thank you, DCFIS!”
“Juan and Francisco were extremely easy to work with. From the start, they were easy to get ahold of, provided information and quotes within the day and provided answers to all my questions in detail. They provided clear and prompt communication and followed up to make sure that me and my team were able to get everything done in a timely manner so they could start their health insurance coverage on the desired effective date. Follow up is crucial, especially for small business owners like me who are busy and can sometimes forget to respond to an email. Thank you Juan and Francisco! I have already referred you to a fellow business owner.”
“Demboski & Chapman has been a reliable partner in our benefits administration. Their team is quick to respond, knowledgeable, and consistently supportive, making it feel like we have an extension of our own HR department.”
“The team at Demboski & Chapman provides us with the peace of mind to focus on running our business, knowing that we’re in capable hands. Their support goes beyond just numbers and quotes – they offer practical advice and take real action when it’s needed. Whenever we have a question, their responsive team is just a quick phone call or email away, always delivering personalized service that makes a real difference.”
“Our Experience with Demboski and Chapman has been top-notch from day 1. If we have had any questions or issues that need following up, the entire team is ‘all-in,’ as I like to call it. This is also a company that is a GREAT corporate citizen. They are deeply invested in making the communities where they work better for all. I am so glad, as are all our employees, that we made the change a few years ago to Demboski and Chapman.”
“We were originally referred to John for help with retirement planning, but we quickly realized the value he and his team bring goes far beyond that. John takes the time to look at the full picture of your life and tailors his recommendations specifically to your needs and goals. In addition to retirement planning, he and his team have guided us through setting up a comprehensive group health care plan for our business, an employee benefits package, life insurance, and college savings plans for our children.
John has become not only an invaluable resource for our family but also a caring, compassionate advisor we deeply trust to help guide us through important financial decisions. We are truly grateful to have found John and his outstanding team!”
The testimonials above have been provided by current clients, there were no cash or non-cash compensation paid for providing the testimonials and there are no material conflicts of interest. Each clients’ experience is unique and may not be representative of all customers. We are grateful for each client we have the privilege of serving.