{"id":849,"date":"2024-01-15T21:55:14","date_gmt":"2024-01-15T21:55:14","guid":{"rendered":"https:\/\/www.demboskiandchapman.com\/site\/?page_id=849"},"modified":"2026-04-16T20:42:48","modified_gmt":"2026-04-16T20:42:48","slug":"personal-planning","status":"publish","type":"page","link":"https:\/\/www.demboskiandchapman.com\/site\/personal-planning\/","title":{"rendered":"Personal Planning"},"content":{"rendered":"

[et_pb_section fb_built=”1″ admin_label=”HERO – Personal Planning (Padding-Top: 20px; Padding-Bottom: 30px;) — IMAGE 07″ _builder_version=”4.24.2″ use_background_color_gradient=”on” background_color_gradient_stops=”rgba(0,19,46,0.6) 0%|rgba(0,19,46,0.6) 100%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(0,19,46,0.6)” background_color_gradient_end=”rgba(0,19,46,0.6)” background_image=”https:\/\/www.demboskiandchapman.com\/site\/wp-content\/uploads\/2024\/03\/DECH_site_images_lrg_1920x1200_2.jpg” custom_padding=”20px||30px||false|false” global_module=”4073″ saved_tabs=”all” locked=”off” collapsed=”on” global_colors_info=”{}”][et_pb_row disabled_on=”off|off|off” admin_label=”ROW – HERO – Image Header” _builder_version=”4.23.4″ custom_margin=”||0px||false|false” custom_padding=”||0px||false|false” collapsed=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text admin_label=”HERO – Personal Planning v — IMAGE 07″ _builder_version=”4.24.2″ header_font=”|900|||||||” header_font_size=”90px” header_line_height=”0.75em” header_2_font_size=”63px” text_orientation=”center” background_layout=”dark” custom_margin=”0px||0px||false|false” custom_padding=”0px||0px||false|false” header_font_size_tablet=”10vw” header_font_size_phone=”10vw” header_font_size_last_edited=”on|phone” header_line_height_tablet=”” header_line_height_phone=”” header_line_height_last_edited=”on|desktop” locked=”off” global_colors_info=”{}”]<\/p>\n

Personal Planning<\/h1>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ disabled_on=”off|off|off” admin_label=”SECTION – Icons – Personal Planning (Padding-Top: 25px; Padding-Bottom: 40px;)” _builder_version=”4.24.0″ _module_preset=”default” background_color=”#f6f1e6″ custom_margin=”||||false|false” custom_padding=”25px||40px||false|false” global_module=”4074″ saved_tabs=”all” collapsed=”on” global_colors_info=”{}”][et_pb_row column_structure=”1_3,1_3,1_3″ admin_label=”ROW – Icons” _builder_version=”4.23.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.23.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_icon font_icon=”||fa||900″ icon_color=”#F2F2F2″ admin_label=”ICON – Financial Planning” _builder_version=”4.24.0″ _module_preset=”default” background_color=”#6b916d” custom_margin=”||20px||false|false” custom_padding=”25px|25px|25px|25px|false|false” border_radii=”on|100%|100%|100%|100%” global_colors_info=”{}”][\/et_pb_icon][et_pb_text admin_label=”HDR – Financial Planning” _builder_version=”4.24.0″ header_text_align=”center” header_4_font=”|900|||||||” header_4_text_align=”center” header_4_text_color=”#6b916d” header_4_font_size=”28px” text_orientation=”center” custom_margin=”||10px||false|false” custom_padding=”||5px||false|false” locked=”off” global_colors_info=”{}”]<\/p>\n

Financial Planning<\/span><\/h4>\n

[\/et_pb_text][et_pb_button button_url=”https:\/\/www.demboskiandchapman.com\/site\/personal-planning\/#financial-planning” button_text=”Learn More” button_alignment=”center” admin_label=”BUTTON – Financial Planning” _builder_version=”4.23.4″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.23.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_icon font_icon=”||fa||900″ icon_color=”#F2F2F2″ admin_label=”ICON – Investment Management (MOBILE: Margin-Top: 35px;)” _builder_version=”4.25.1″ _module_preset=”default” background_color=”#6b916d” custom_margin=”||20px||false|false” custom_margin_tablet=”||20px||false|false” custom_margin_phone=”35px||||false|false” custom_margin_last_edited=”on|phone” custom_padding=”25px|25px|25px|25px|false|false” border_radii=”on|100%|100%|100%|100%” global_colors_info=”{}”][\/et_pb_icon][et_pb_text admin_label=”HDR – Investment Management” _builder_version=”4.24.0″ header_text_align=”center” header_4_font=”|900|||||||” header_4_text_align=”center” header_4_text_color=”#6b916d” header_4_font_size=”28px” text_orientation=”center” custom_margin=”||10px||false|false” custom_padding=”||5px||false|false” locked=”off” global_colors_info=”{}”]<\/p>\n

Investment Management<\/span><\/h4>\n

[\/et_pb_text][et_pb_button button_url=”https:\/\/www.demboskiandchapman.com\/site\/personal-planning\/#investment-management” button_text=”Learn More” button_alignment=”center” admin_label=”BUTTON – Investment Management” _builder_version=”4.23.4″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.23.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_icon font_icon=”||fa||900″ icon_color=”#F2F2F2″ admin_label=”ICON – Insurance Solutions (MOBILE: Margin-Top: 35px;)” _builder_version=”4.25.1″ _module_preset=”default” background_color=”#6b916d” custom_margin=”||20px||false|false” custom_margin_tablet=”||20px||false|false” custom_margin_phone=”35px||20px||false|false” custom_margin_last_edited=”on|phone” custom_padding=”25px|20px|25px|20px|false|false” border_radii=”on|100%|100%|100%|100%” global_colors_info=”{}”][\/et_pb_icon][et_pb_text admin_label=”HDR – Insurance Solutions” _builder_version=”4.24.0″ header_text_align=”center” header_4_font=”|900|||||||” header_4_text_align=”center” header_4_text_color=”#6b916d” header_4_font_size=”28px” text_orientation=”center” custom_margin=”||10px||false|false” custom_padding=”||5px||false|false” locked=”off” global_colors_info=”{}”]<\/p>\n

Insurance Solutions<\/span><\/h4>\n

[\/et_pb_text][et_pb_button button_url=”https:\/\/www.demboskiandchapman.com\/site\/personal-planning\/#insurance-solutions” button_text=”Learn More” button_alignment=”center” admin_label=”BUTTON – Insurance Solutions” _builder_version=”4.23.4″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”SECTION – Financial Planning (ID: financial-planning)” module_id=”financial-planning” _builder_version=”4.24.0″ _module_preset=”default” collapsed=”on” global_colors_info=”{}”][et_pb_row admin_label=”ROW – Financial Planning – Title” _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text admin_label=”HDR – Financial Planning” _builder_version=”4.25.1″ header_2_font=”|800|||||||” header_2_font_size=”60px” text_orientation=”center” max_width=”700px” module_alignment=”center” header_2_font_size_tablet=”42px” header_2_font_size_phone=”42px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n

Financial Planning<\/span><\/h2>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”2_3,1_3″ admin_label=”ROW – Financial Planning – ARC Process\u2122” _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”2_3″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.23.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Reaching the Retirement Summit with the ARC Process\u2122<\/strong><\/h3>\n

Like mountain climbing, financial planning begins with the goal of reaching the summit. The key to achieving that goal is planning and preparation. Our unique ARC Process (\u201cAchieving Retirement Clarity\u201d)<\/strong> lays out a clear path for accumulating assets for retirement. It explores three important checkpoints:<\/p>\n

[\/et_pb_text][et_pb_text admin_label=”TEXT – Bullets (Margin-Left: 30px;)” _builder_version=”4.23.4″ _module_preset=”default” custom_padding=”|||30px|false|false” global_colors_info=”{}”]<\/p>\n

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  • Cash Flow Management:<\/strong> How your financial resources are earned, spent and saved.<\/li>\n
  • Wealth Accumulation:<\/strong> Assesses your current financial position and identifies the most tax efficient path for reaching your retirement goals and other needs such as education funding.<\/li>\n
  • Income Protection:<\/strong> Identifies solutions to those obstacles that can prevent you from reaching your financial goals \u2013 living too long, dying too soon, or becoming disabled.<\/li>\n<\/ul>\n

    [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_video src=”https:\/\/player.vimeo.com\/video\/919717651″ image_src=”\/\/i.vimeocdn.com\/video\/1787183507-5a128ff0c82de2b02f2370fb4a5bb164f245b3a4f596d6e17dd2d8bef4917837-d_960″ admin_label=”VIDEO: DC-ARC_Video” _builder_version=”4.24.0″ _module_preset=”default” background_color=”RGBA(255,255,255,0)” custom_margin=”||15px||false|false” custom_padding=”||||false|false” border_radii=”on|5px|5px|5px|5px” border_color_all=”#DBDBDB” box_shadow_style=”preset1″ global_module=”4076″ saved_tabs=”all” global_colors_info=”{}”][\/et_pb_video][et_pb_text disabled_on=”off|off|off” admin_label=”SUBTITLE: The ARC Process” _builder_version=”4.23.4″ _module_preset=”default” text_font=”||on||||||” text_font_size=”14px” text_line_height=”1.5em” custom_margin=”0px||||false|false” custom_padding=”0px||||false|false” global_colors_info=”{}”]<\/p>\n

    Watch our video to learn how you can achieve clarity and peace of mind while building your retirement fund.<\/p>\n

    [\/et_pb_text][et_pb_button button_url=”https:\/\/www.demboskiandchapman.com\/site\/wp-content\/uploads\/2024\/03\/ARC-Brochure-V_2020_03_DembowskiChapman_pages.pdf” url_new_window=”on” button_text=”Download the ARC Brochure” button_alignment=”center” admin_label=”BUTTON – Download the ARC Brochure” _builder_version=”4.24.0″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”2_3,1_3″ admin_label=”ROW – Financial Planning – RISK Process\u2122” _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”2_3″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.23.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

    Reaching the Summit and Returning Safely with the RISK Process\u2122<\/h3>\n

    While climbing to the top of a mountain is considered to be a major achievement, the real goal of climbing is not simply to reach the top, but to reach the top and return safely. Most people focus on accumulating enough assets for retirement. However, the biggest risks facing retirees occur during the income distribution phase when we retire and begin to live on our retirement savings.<\/p>\n

    Our unique RISK Process\u2122 (\u201cRetirement Income Survival Kit\u201d)<\/strong> simplifies the complexity of post-retirement planning and guides you through our effective, time tested approach which:<\/p>\n

    [\/et_pb_text][et_pb_text admin_label=”TEXT – Bullets (Margin-Left: 30px;)” _builder_version=”4.23.4″ _module_preset=”default” custom_padding=”|||30px|false|false” global_colors_info=”{}”]<\/p>\n

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    • Transitions your retirement savings from traditional asset allocation to income allocation<\/li>\n
    • Determines your sustainable withdrawal rate throughout retirement<\/li>\n
    • Addresses the key risk factors you face in retirement including market conditions, sequence of returns, inflation, liquidity, longevity, taxation, health, and legacy risks<\/li>\n<\/ul>\n

      [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_video src=”https:\/\/player.vimeo.com\/video\/919716989″ image_src=”\/\/i.vimeocdn.com\/video\/1787184830-01530410b83dfd480b58acb5b2e7d42f2b77ce85595a7d496c557dece65e06bc-d_960″ admin_label=”VIDEO: DC-RISK_Video” _builder_version=”4.24.0″ _module_preset=”default” custom_margin=”||15px||false|false” custom_padding=”||||false|false” box_shadow_style=”preset1″ global_module=”4077″ saved_tabs=”all” global_colors_info=”{}”][\/et_pb_video][et_pb_text disabled_on=”off|off|off” admin_label=”SUBTITLE: The RISK Process” _builder_version=”4.24.0″ _module_preset=”default” text_font=”||on||||||” text_font_size=”14px” text_line_height=”1.5em” custom_margin=”0px||||false|false” custom_padding=”0px||||false|false” link_option_url=”https:\/\/www.demboskiandchapman.com\/site\/wp-content\/uploads\/2024\/03\/RISK-Brochure-V_2020_03_DembowskiChapman_pages.pdf” global_colors_info=”{}”]<\/p>\n

      Watch our video to learn how you can achieve clarity and peace of mind while building your retirement fund.<\/p>\n

      [\/et_pb_text][et_pb_button button_url=”https:\/\/www.demboskiandchapman.com\/site\/wp-content\/uploads\/2024\/03\/RISK-Brochure-V_2020_03_DembowskiChapman_pages.pdf” url_new_window=”on” button_text=”Download the RISK Brochure” button_alignment=”center” admin_label=”BUTTON – Download the RISK Brochure” _builder_version=”4.24.0″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” prev_background_color=”#ffffff” admin_label=”SECTION – Investment Management (ID: investment-management) (MOBILE – Padding-Top: 50px;)” module_id=”investment-management” _builder_version=”4.25.1″ background_color=”#F6F1E6″ background_image=”https:\/\/www.demboskiandchapman.com\/site\/wp-content\/uploads\/2023\/12\/DECH_site_images_lrg_1920x1200_PalmTrees_1C.jpg” background_blend=”hard-light” custom_padding=”||8vw||false|false” custom_padding_tablet=”0px||||false|false” custom_padding_phone=”50px||||false|false” top_divider_style=”mountains2″ bottom_divider_style=”mountains2″ bottom_divider_color=”#6b916d” locked=”off” collapsed=”on” global_colors_info=”{}”][et_pb_row disabled_on=”off|off|off” admin_label=”SPACE 20PX” _builder_version=”4.18.0″ custom_margin=”0px||0px||false|false” custom_padding=”10px||10px||false|false” animation_style=”slide” animation_direction=”bottom” custom_width_px=”800px” collapsed=”on” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_divider show_divider=”off” _builder_version=”4.18.0″ _module_preset=”default” custom_margin=”||||false|false” custom_padding=”10px||10px||false|false” global_colors_info=”{}”][\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=”ROW – Investment Management” _builder_version=”4.16″ collapsed=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text admin_label=”HDR – Investment Management” _builder_version=”4.25.1″ header_2_font=”|700|||||||” header_2_text_color=”#263142″ header_2_font_size=”60px” text_orientation=”center” max_width=”700px” module_alignment=”center” header_2_font_size_tablet=”42px” header_2_font_size_phone=”42px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n

      Investment Management<\/span><\/h2>\n

      [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”2_3,1_3″ disabled_on=”off|off|off” admin_label=”ROW – Investment Management #2″ _builder_version=”4.16″ collapsed=”off” global_colors_info=”{}”][et_pb_column type=”2_3″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text admin_label=”TEXT – Balancing The Need” _builder_version=”4.23.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

      Balancing the Need for Safety and Performance in Line With Your Personal Objectives and Situation<\/h2>\n

      We firmly believe that crafting an optimal investment strategy is absolutely crucial for any financial plan. History has shown that interest-generating investments like cash and bonds provide a wonderful stability of principal. However, they may offer limited potential for long-term growth, given their vulnerability to interest rates and inflation. On the flip side, equity investments have consistently delivered significantly higher expected returns, making them incredibly exciting, but vulnerable to severe volatility risks.<\/p>\n

      But fear not! We champion a BALANCED APPROACH<\/strong> that makes the journey of balancing safety and performance an exhilarating one. We utilize a plethora of investment platforms that seamlessly merge traditional and alternative strategies. This approach allows us to tailor the perfect investment strategy just for you, while answering important questions such as:<\/p>\n

      [\/et_pb_text][et_pb_text admin_label=”TEXT – Bullets (Margin-Left: 30px;)” _builder_version=”4.23.4″ _module_preset=”default” custom_padding=”|||30px|false|false” global_colors_info=”{}”]<\/p>\n

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      • Am I taking just the right amount of risk with my investments?<\/li>\n
      • Are my assets cleverly divided into various buckets to cater to different goals and varying time horizons?<\/li>\n
      • Are my investments dancing around unnecessary taxes?<\/li>\n
      • Are my accounts being elegantly rebalanced to keep me within my risk parameters?<\/li>\n<\/ul>\n

        [\/et_pb_text][et_pb_text admin_label=”TEXT” _builder_version=”4.23.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

        The structure of your personalized portfolio is like a beautifully crafted masterpiece, influenced by numerous factors such as your current stage in the financial life cycle, your risk tolerance, and your investment time horizons. In this delightful manner, we manage your money with an equal emphasis on the art of risk management and the science of investment performance. It’s a thrilling journey to be on with you!<\/p>\n

        [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_video src=”https:\/\/player.vimeo.com\/video\/168962231″ image_src=”\/\/i.vimeocdn.com\/video\/573565678-feeaa4a4c98f2df6c0fc0385e86cc5281a10ab8dd159d551968f7eb471b3cc3a-d_960″ admin_label=”VIDEO – Wealth Solutions” _builder_version=”4.24.0″ _module_preset=”default” custom_margin=”||15px||false|false” custom_padding=”||15px||false|false” global_module=”4079″ saved_tabs=”all” global_colors_info=”{}”][\/et_pb_video][et_pb_text disabled_on=”off|off|off” admin_label=”SUBTITLE: Wealth Solutions” _builder_version=”4.23.4″ _module_preset=”default” text_font=”||on||||||” text_font_size=”14px” text_line_height=”1.5em” custom_margin=”0px||||false|false” custom_padding=”0px||||false|false” global_colors_info=”{}”]<\/p>\n

        Watch our highly animated video to discover which investment strategy is right for you!<\/em><\/p>\n

        [\/et_pb_text][et_pb_button button_url=”https:\/\/www.demboskiandchapman.com\/site\/wp-content\/uploads\/2024\/03\/VWS-Brochure-PRINT-V_2021_06_DembowskiChapman_pages.pdf” url_new_window=”on” button_text=”Download the Wealth Solutions Brochure” button_alignment=”center” admin_label=”BUTTON – Wealth Solutions Brochure” _builder_version=”4.24.0″ _module_preset=”default” custom_button=”on” button_text_size=”17px” button_letter_spacing=”1px” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=”off|on|on” admin_label=”SPACE 20PX (MOBILE)” _builder_version=”4.18.0″ custom_margin=”0px||0px||false|false” custom_padding=”10px||10px||false|false” animation_style=”slide” animation_direction=”bottom” custom_width_px=”800px” collapsed=”on” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_divider show_divider=”off” _builder_version=”4.18.0″ _module_preset=”default” custom_margin=”||||false|false” custom_padding=”10px||10px||false|false” global_colors_info=”{}”][\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=”off|on|on” admin_label=”SPACE 20PX (MOBILE)” _builder_version=”4.18.0″ custom_margin=”0px||0px||false|false” custom_padding=”10px||10px||false|false” animation_style=”slide” animation_direction=”bottom” custom_width_px=”800px” collapsed=”on” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_divider show_divider=”off” _builder_version=”4.18.0″ _module_preset=”default” custom_margin=”||||false|false” custom_padding=”10px||10px||false|false” global_colors_info=”{}”][\/et_pb_divider][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ disabled_on=”off|off|off” admin_label=”SECTION – Insurance Solutions (ID: insurance-solutions ) \u2014 10-07-25″ module_id=”insurance-solutions” _builder_version=”4.27.4″ background_color=”#6b916d” bottom_divider_style=”mountains2″ bottom_divider_color=”#c2d6c2″ locked=”off” collapsed=”on” global_colors_info=”{}”][et_pb_row disabled_on=”off|off|off” admin_label=”ROW – Insurance Solutions – Title” _builder_version=”4.23.4″ width=”90%” module_alignment=”center” custom_padding=”25px||0px||false|false” animation_style=”slide” animation_direction=”bottom” custom_width_px=”800px” collapsed=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”HDR – Insurance Solutions” _builder_version=”4.25.1″ header_2_font=”|900|||||||” header_2_font_size=”60px” text_orientation=”center” background_layout=”dark” max_width=”700px” module_alignment=”center” header_2_font_size_tablet=”42px” header_2_font_size_phone=”40px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n

        Insurance Solutions<\/span><\/h2>\n

        [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=”on|off|off” admin_label=”SPACE 20PX (DESKTOP & TABLET)” _builder_version=”4.18.0″ custom_margin=”0px||0px||false|false” custom_padding=”10px||10px||false|false” animation_style=”slide” animation_direction=”bottom” custom_width_px=”800px” collapsed=”on” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_divider show_divider=”off” _builder_version=”4.18.0″ _module_preset=”default” custom_margin=”||||false|false” custom_padding=”10px||10px||false|false” global_colors_info=”{}”][\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=”off|on|on” admin_label=”SPACE 10PX (MOBILE)” _builder_version=”4.25.1″ custom_margin=”0px||0px||false|false” custom_padding=”5px||5px||false|false” animation_style=”slide” animation_direction=”bottom” custom_width_px=”800px” collapsed=”on” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_divider show_divider=”off” _builder_version=”4.25.1″ _module_preset=”default” custom_margin=”||||false|false” custom_padding=”5px||5px||false|false” global_colors_info=”{}”][\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=”ROW – Insurance Solutions #2″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text admin_label=”TEXT – Making the Most of Your Insurance Portfolio” _builder_version=”4.23.4″ _module_preset=”default” text_text_color=”#ffffff” header_3_text_color=”#ffffff” global_colors_info=”{}”]<\/p>\n

        Making the Most of Your Insurance Portfolio<\/h3>\n

        Prepare to embark on an exhilarating journey! Many people are unaware that the life, disability, and long-term care insurance policies they purchased as recently as five years ago might be unnecessarily costly or lacking critical new benefits due to the availability of a new generation of insurance products. When you initially acquired these policies, you might have made certain assumptions about policy charges, interest rates, planned premiums, and other issues. However, life is a constantly evolving and exciting adventure. The original reason for your purchase may still stand, but your needs may have evolved, demanding more or less coverage. That’s why we encourage you to regularly review all of your personal and business insurance coverages.<\/p>\n

        [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,2_3″ admin_label=”ROW – Insurance Solutions #3″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_image src=”https:\/\/www.demboskiandchapman.com\/site\/wp-content\/uploads\/2024\/02\/DECH_SITE_IMAGE_MISC_Office_116_1280x930.jpg” title_text=”DECH_SITE_IMAGE_MISC_Office_116_1280x930″ _builder_version=”4.24.0″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”2_3″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text admin_label=”TEXT – A Versatile Multi-purpose Planning Tool” _builder_version=”4.23.4″ _module_preset=”default” text_text_color=”#ffffff” header_3_text_color=”#ffffff” global_colors_info=”{}”]<\/p>\n

        A Versatile Multi-purpose Planning Tool<\/h3>\n

        Two critically important aspects of financial planning involve managing risk and transferring wealth to the next generation. In many instances, the tax advantages of life insurance make it an electrifying and preferred vehicle for purposes such as:<\/p>\n

        [\/et_pb_text][et_pb_text admin_label=”TEXT – A Versatile Multi-purpose Planning Tool – BULLETS (Margin-Left: 30px;)” _builder_version=”4.23.4″ _module_preset=”default” text_text_color=”#ffffff” header_3_text_color=”#ffffff” custom_padding=”|||30px|false|false” global_colors_info=”{}”]<\/p>\n

          \n
        • Igniting income replacement for your family and business<\/li>\n
        • Propelling family and business wealth to future generations<\/li>\n
        • Generating supplemental tax-free income for your dream retirement<\/li>\n
        • Powering up your business strategies with buy-sell agreements and deferred compensation programs<\/li>\n
        • Elevating your charitable giving to new heights<\/li>\n<\/ul>\n

          [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,2_3″ admin_label=”ROW – Insurance Solutions #4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_image src=”https:\/\/www.demboskiandchapman.com\/site\/wp-content\/uploads\/2024\/05\/DECH_SITE_IMAGE_MISC_Office_121_1224x817_2.jpg” title_text=”DECH_SITE_IMAGE_MISC_Office_121_1224x817_2″ _builder_version=”4.25.0″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”2_3″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text admin_label=”TEXT – Optimizing Your Insurance Investment” _builder_version=”4.23.4″ _module_preset=”default” text_text_color=”#ffffff” header_3_text_color=”#ffffff” global_colors_info=”{}”]<\/p>\n

          Optimizing Your Insurance Investment<\/h3>\n

          At Demboski & Chapman, we’re here to make your insurance journey a thrilling and seamless experience. Whether you are evaluating existing coverage or seeking new insurance, we employ several proprietary processes to:<\/p>\n

          [\/et_pb_text][et_pb_text admin_label=”TEXT – Optimizing Your Insurance Investment – BULLETS (Margin-Left: 30px;)” _builder_version=”4.23.4″ _module_preset=”default” text_text_color=”#ffffff” header_3_text_color=”#ffffff” custom_padding=”|||30px|false|false” global_colors_info=”{}”]<\/p>\n

            \n
          • Guide you towards the type of policy that perfectly aligns with your current needs (Life Assurance 360)<\/li>\n
          • Help you apply and secure the most favorable policy pricing, unlocking incredible savings (Concierge Services and Underwriting Advocacy)<\/li>\n
          • Provide ongoing policy management to ensure your expectations of promised policy benefits align with spectacular results (The Policy Management Company)<\/li>\n
          • Unlock opportunities for a policy you no longer want or need (Life Settlements)<\/li>\n<\/ul>\n

            [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=”off|off|off” admin_label=”SPACE 20PX” _builder_version=”4.18.0″ custom_margin=”0px||0px||false|false” custom_padding=”10px||10px||false|false” animation_style=”slide” animation_direction=”bottom” custom_width_px=”800px” collapsed=”on” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_divider show_divider=”off” _builder_version=”4.18.0″ _module_preset=”default” custom_margin=”||||false|false” custom_padding=”10px||10px||false|false” global_colors_info=”{}”][\/et_pb_divider][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”SECTION – Testimonials (PERSONAL PLANNING) \u2014 10-07-25″ _builder_version=”4.27.4″ background_color=”#c2d6c2″ background_enable_image=”off” background_blend=”hard-light” custom_padding=”||8vw||false|false” custom_padding_tablet=”0px||||false|false” custom_padding_phone=”” top_divider_color=”#91A594″ bottom_divider_style=”mountains2″ bottom_divider_color=”#ffffff” locked=”off” collapsed=”on” global_colors_info=”{}”][et_pb_row admin_label=”ROW – Testimonials – Title” _builder_version=”4.16″ collapsed=”on” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text admin_label=”HDR – Testimonials” _builder_version=”4.25.1″ header_2_font=”|700|||||||” header_2_text_color=”#263142″ header_2_font_size=”60px” text_orientation=”center” max_width=”700px” module_alignment=”center” custom_margin=”||||false|false” custom_padding=”||||false|false” header_2_font_size_tablet=”42px” header_2_font_size_phone=”42px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n

            Testimonials<\/h2>\n

            [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ custom_padding_last_edited=”on|phone” admin_label=”ROW – Testimonials #1 and #2 (MOBILE – Padding-Bottom: 50px;)” _builder_version=”4.25.1″ custom_padding_tablet=”” custom_padding_phone=”||50px||false|false” collapsed=”on” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_testimonial author=” V.T.” job_title=”Demboski & Chapman client of 16 years” quote_icon_color=”#065a4e” quote_icon_background_color=”#ffffff” font_icon=”||divi||400″ use_icon_font_size=”on” icon_font_size=”56px” disabled_on=”off|off|off” admin_label=”Testimonial #1 – V.T.” _builder_version=”4.25.1″ _module_preset=”default” body_font=”|700|||||||” body_text_align=”center” body_text_color=”#91a594″ author_font=”||||||||” author_text_align=”center” author_text_color=”#91a594″ author_font_size=”14px” position_text_color=”#91a594″ position_font_size=”14px” company_text_color=”#91a594″ company_font_size=”14px” background_color=”#ffffff” vertical_offset_tablet=”0″ horizontal_offset_tablet=”0″ text_orientation=”center” overflow-x=”visible” overflow-y=”visible” custom_padding=”50px|40px|30px|40px|false|false” z_index_tablet=”0″ custom_css_testimonial_author=”margin-top:5px; padding-top:5px;” author_text_shadow_horizontal_length_tablet=”0px” author_text_shadow_vertical_length_tablet=”0px” author_text_shadow_blur_strength_tablet=”1px” position_text_shadow_horizontal_length_tablet=”0px” position_text_shadow_vertical_length_tablet=”0px” position_text_shadow_blur_strength_tablet=”1px” company_text_shadow_horizontal_length_tablet=”0px” company_text_shadow_vertical_length_tablet=”0px” company_text_shadow_blur_strength_tablet=”1px” body_link_text_shadow_horizontal_length_tablet=”0px” body_link_text_shadow_vertical_length_tablet=”0px” body_link_text_shadow_blur_strength_tablet=”1px” body_ul_text_shadow_horizontal_length_tablet=”0px” body_ul_text_shadow_vertical_length_tablet=”0px” body_ul_text_shadow_blur_strength_tablet=”1px” body_ol_text_shadow_horizontal_length_tablet=”0px” body_ol_text_shadow_vertical_length_tablet=”0px” body_ol_text_shadow_blur_strength_tablet=”1px” body_quote_text_shadow_horizontal_length_tablet=”0px” body_quote_text_shadow_vertical_length_tablet=”0px” body_quote_text_shadow_blur_strength_tablet=”1px” border_radii=”off|25px|25px|25px|25px” border_width_all=”3px” border_color_all=”#91A594″ border_color_top=”#91a594″ border_color_right=”#91a594″ border_color_bottom=”#91a594″ border_color_left=”#91a594″ box_shadow_horizontal_tablet=”0px” box_shadow_vertical_tablet=”0px” box_shadow_blur_tablet=”40px” box_shadow_spread_tablet=”0px” box_shadow_horizontal_image_tablet=”0px” box_shadow_vertical_image_tablet=”0px” box_shadow_blur_image_tablet=”40px” box_shadow_spread_image_tablet=”0px” text_shadow_horizontal_length_tablet=”0px” text_shadow_vertical_length_tablet=”0px” text_shadow_blur_strength_tablet=”1px” global_colors_info=”{}”]<\/p>\n

            \u201cThe Demboski & Chapman team has provided me with professional and above-the-call-of-duty expertise over the years. Money, investments, retirement and insurance are all terrifying subjects to most of us, especially with so much uncertainty and scams in today\u2019s world. Knowing that they \u201chave my back\u201d is truly priceless and there aren\u2019t enough words to express my deepest gratitude.\u201d I can’t say enough about John personally – he’s brilliant with finances, impeccable with his word and of highest integrity. But most of all he is truly a kind, caring human being with a big heart and soul- a rarity in today’s world.\u201d<\/p>\n

            [\/et_pb_testimonial][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_testimonial author=” P.W. & V.W.” job_title=”Demboski & Chapman clients of 20 years” quote_icon_color=”#065a4e” quote_icon_background_color=”#ffffff” font_icon=”||divi||400″ use_icon_font_size=”on” icon_font_size=”56px” disabled_on=”off|off|off” admin_label=”Testimonial #2 – P.W. & V.W. (MOBILE – Margin-Top: 40px;)” _builder_version=”4.25.1″ _module_preset=”default” body_font=”|700|||||||” body_text_align=”center” body_text_color=”#91a594″ author_font=”||||||||” author_text_align=”center” author_text_color=”#91a594″ author_font_size=”14px” position_text_color=”#91a594″ position_font_size=”14px” company_text_color=”#91a594″ company_font_size=”14px” background_color=”#ffffff” vertical_offset_tablet=”0″ horizontal_offset_tablet=”0″ text_orientation=”center” overflow-x=”visible” overflow-y=”visible” custom_margin_tablet=”” custom_margin_phone=”40px||||false|false” custom_margin_last_edited=”on|phone” custom_padding=”50px|40px|30px|40px|false|false” z_index_tablet=”0″ custom_css_testimonial_author=”margin-top:5px; padding-top:5px;” author_text_shadow_horizontal_length_tablet=”0px” author_text_shadow_vertical_length_tablet=”0px” author_text_shadow_blur_strength_tablet=”1px” position_text_shadow_horizontal_length_tablet=”0px” position_text_shadow_vertical_length_tablet=”0px” position_text_shadow_blur_strength_tablet=”1px” company_text_shadow_horizontal_length_tablet=”0px” company_text_shadow_vertical_length_tablet=”0px” company_text_shadow_blur_strength_tablet=”1px” body_link_text_shadow_horizontal_length_tablet=”0px” body_link_text_shadow_vertical_length_tablet=”0px” body_link_text_shadow_blur_strength_tablet=”1px” body_ul_text_shadow_horizontal_length_tablet=”0px” body_ul_text_shadow_vertical_length_tablet=”0px” body_ul_text_shadow_blur_strength_tablet=”1px” body_ol_text_shadow_horizontal_length_tablet=”0px” body_ol_text_shadow_vertical_length_tablet=”0px” body_ol_text_shadow_blur_strength_tablet=”1px” body_quote_text_shadow_horizontal_length_tablet=”0px” body_quote_text_shadow_vertical_length_tablet=”0px” body_quote_text_shadow_blur_strength_tablet=”1px” border_radii=”off|25px|25px|25px|25px” border_width_all=”3px” border_color_all=”#91A594″ border_color_top=”#91a594″ border_color_right=”#91a594″ border_color_bottom=”#91a594″ border_color_left=”#91a594″ box_shadow_horizontal_tablet=”0px” box_shadow_vertical_tablet=”0px” box_shadow_blur_tablet=”40px” box_shadow_spread_tablet=”0px” box_shadow_horizontal_image_tablet=”0px” box_shadow_vertical_image_tablet=”0px” box_shadow_blur_image_tablet=”40px” box_shadow_spread_image_tablet=”0px” text_shadow_horizontal_length_tablet=”0px” text_shadow_vertical_length_tablet=”0px” text_shadow_blur_strength_tablet=”1px” global_colors_info=”{}”]<\/p>\n

            \u201cWe have never been as organized and aware of our investments as we are now, and we have Demboski & Chapman to thank for that! The entire team is wonderful to work with! They have strong, obvious ethics, honesty and integrity and they are patient with our many questions. John especially has cutting edge knowledge of the various products, an outstanding way of explaining them to us and which ones would suit us best. He truly loves what he does and has a joyful and grateful outlook on life, so if you are looking for help, Demboski & Chapman should be a unanimous choice!\u201d<\/p>\n

            [\/et_pb_testimonial][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ custom_padding_last_edited=”on|desktop” admin_label=”ROW – Tesimonials #3 to #5 (MOBILE – Padding-Bottom: 30px;)” _builder_version=”4.25.1″ custom_padding_tablet=”” custom_padding_phone=”||30px||false|false” collapsed=”on” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_testimonial author=”A.W.” job_title=”Demboski & Chapman client of 9 years” quote_icon_color=”#065a4e” quote_icon_background_color=”#ffffff” font_icon=”||divi||400″ use_icon_font_size=”on” icon_font_size=”56px” disabled_on=”off|off|off” admin_label=”Testimonial #3 – A.W.” _builder_version=”4.25.1″ _module_preset=”default” body_font=”|700|||||||” body_text_align=”center” body_text_color=”#91a594″ author_font=”||||||||” author_text_align=”center” author_text_color=”#91a594″ author_font_size=”14px” position_text_color=”#91a594″ position_font_size=”14px” company_text_color=”#91a594″ company_font_size=”14px” background_color=”#ffffff” vertical_offset_tablet=”0″ horizontal_offset_tablet=”0″ text_orientation=”center” overflow-x=”visible” overflow-y=”visible” custom_padding=”50px|40px|30px|40px|false|false” z_index_tablet=”0″ custom_css_testimonial_author=”margin-top:5px; padding-top:5px;” author_text_shadow_horizontal_length_tablet=”0px” author_text_shadow_vertical_length_tablet=”0px” author_text_shadow_blur_strength_tablet=”1px” position_text_shadow_horizontal_length_tablet=”0px” position_text_shadow_vertical_length_tablet=”0px” position_text_shadow_blur_strength_tablet=”1px” company_text_shadow_horizontal_length_tablet=”0px” company_text_shadow_vertical_length_tablet=”0px” company_text_shadow_blur_strength_tablet=”1px” body_link_text_shadow_horizontal_length_tablet=”0px” body_link_text_shadow_vertical_length_tablet=”0px” body_link_text_shadow_blur_strength_tablet=”1px” body_ul_text_shadow_horizontal_length_tablet=”0px” body_ul_text_shadow_vertical_length_tablet=”0px” body_ul_text_shadow_blur_strength_tablet=”1px” body_ol_text_shadow_horizontal_length_tablet=”0px” body_ol_text_shadow_vertical_length_tablet=”0px” body_ol_text_shadow_blur_strength_tablet=”1px” body_quote_text_shadow_horizontal_length_tablet=”0px” body_quote_text_shadow_vertical_length_tablet=”0px” body_quote_text_shadow_blur_strength_tablet=”1px” border_radii=”off|25px|25px|25px|25px” border_width_all=”3px” border_color_all=”#91A594″ border_color_top=”#91a594″ border_color_right=”#91a594″ border_color_bottom=”#91a594″ border_color_left=”#91a594″ box_shadow_horizontal_tablet=”0px” box_shadow_vertical_tablet=”0px” box_shadow_blur_tablet=”40px” box_shadow_spread_tablet=”0px” box_shadow_horizontal_image_tablet=”0px” box_shadow_vertical_image_tablet=”0px” box_shadow_blur_image_tablet=”40px” box_shadow_spread_image_tablet=”0px” text_shadow_horizontal_length_tablet=”0px” text_shadow_vertical_length_tablet=”0px” text_shadow_blur_strength_tablet=”1px” global_colors_info=”{}”]<\/p>\n

            \n\u201cI think Demboski & Chapman is a rare gem, and feel lucky to be their client! I am feeling so much better about our family\u2019s finances and future and I have John and his team to thank! I feel deep gratitude for this sense of relief.\u201d<\/p>\n

            [\/et_pb_testimonial][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_testimonial author=” D.R.” job_title=”Demboski & Chapman client of 8 years” quote_icon_color=”#065a4e” quote_icon_background_color=”#ffffff” font_icon=”||divi||400″ use_icon_font_size=”on” icon_font_size=”56px” disabled_on=”off|off|off” admin_label=”Testimonial #4 – D.R. (MOBILE – Margin-Top: 40px;)” _builder_version=”4.25.1″ _module_preset=”default” body_font=”|700|||||||” body_text_align=”center” body_text_color=”#91a594″ author_font=”||||||||” author_text_align=”center” author_text_color=”#91a594″ author_font_size=”14px” position_text_color=”#91a594″ position_font_size=”14px” company_text_color=”#91a594″ company_font_size=”14px” background_color=”#ffffff” vertical_offset_tablet=”0″ horizontal_offset_tablet=”0″ text_orientation=”center” overflow-x=”visible” overflow-y=”visible” custom_margin=”||||false|false” custom_margin_tablet=”||||false|false” custom_margin_phone=”40px||||false|false” custom_margin_last_edited=”on|phone” custom_padding=”50px|40px|30px|40px|false|false” z_index_tablet=”0″ custom_css_testimonial_author=”margin-top:5px; padding-top:5px;” author_text_shadow_horizontal_length_tablet=”0px” author_text_shadow_vertical_length_tablet=”0px” author_text_shadow_blur_strength_tablet=”1px” position_text_shadow_horizontal_length_tablet=”0px” position_text_shadow_vertical_length_tablet=”0px” position_text_shadow_blur_strength_tablet=”1px” company_text_shadow_horizontal_length_tablet=”0px” company_text_shadow_vertical_length_tablet=”0px” company_text_shadow_blur_strength_tablet=”1px” body_link_text_shadow_horizontal_length_tablet=”0px” body_link_text_shadow_vertical_length_tablet=”0px” body_link_text_shadow_blur_strength_tablet=”1px” body_ul_text_shadow_horizontal_length_tablet=”0px” body_ul_text_shadow_vertical_length_tablet=”0px” body_ul_text_shadow_blur_strength_tablet=”1px” body_ol_text_shadow_horizontal_length_tablet=”0px” body_ol_text_shadow_vertical_length_tablet=”0px” body_ol_text_shadow_blur_strength_tablet=”1px” body_quote_text_shadow_horizontal_length_tablet=”0px” body_quote_text_shadow_vertical_length_tablet=”0px” body_quote_text_shadow_blur_strength_tablet=”1px” border_radii=”off|25px|25px|25px|25px” border_width_all=”3px” border_color_all=”#91A594″ border_color_top=”#91a594″ border_color_right=”#91a594″ border_color_bottom=”#91a594″ border_color_left=”#91a594″ box_shadow_horizontal_tablet=”0px” box_shadow_vertical_tablet=”0px” box_shadow_blur_tablet=”40px” box_shadow_spread_tablet=”0px” box_shadow_horizontal_image_tablet=”0px” box_shadow_vertical_image_tablet=”0px” box_shadow_blur_image_tablet=”40px” box_shadow_spread_image_tablet=”0px” text_shadow_horizontal_length_tablet=”0px” text_shadow_vertical_length_tablet=”0px” text_shadow_blur_strength_tablet=”1px” global_colors_info=”{}”]<\/p>\n

            \u201cI can honestly say I don\u2019t know where I\u2019d be today if it weren\u2019t for John and his team helping me with my finances, especially now that I\u2019m retired. This area of finance and insurance is absolute Greek to me so I truly appreciate that everything is explained in detail. I always feel so welcome in the office and I know that they are watching out for my best interests!\u201d<\/p>\n

            [\/et_pb_testimonial][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_testimonial author=” J.A. & K.A.” job_title=”Demboski & Chapman clients of 8 years” quote_icon_color=”#065a4e” quote_icon_background_color=”#ffffff” font_icon=”||divi||400″ use_icon_font_size=”on” icon_font_size=”56px” disabled_on=”off|off|off” admin_label=”Testimonial #5 – J.A. & K.A. (MOBILE – Margin-Top: 40px;)” _builder_version=”4.25.1″ _module_preset=”default” body_font=”|700|||||||” body_text_align=”center” body_text_color=”#91a594″ author_font=”||||||||” author_text_align=”center” author_text_color=”#91a594″ author_font_size=”14px” position_text_color=”#91a594″ position_font_size=”14px” company_text_color=”#91a594″ company_font_size=”14px” background_color=”#ffffff” vertical_offset_tablet=”0″ horizontal_offset_tablet=”0″ text_orientation=”center” overflow-x=”visible” overflow-y=”visible” custom_margin_tablet=”” custom_margin_phone=”45px||||false|false” custom_margin_last_edited=”on|phone” custom_padding=”50px|40px|30px|40px|false|false” z_index_tablet=”0″ custom_css_testimonial_author=”margin-top:5px; padding-top:5px;” author_text_shadow_horizontal_length_tablet=”0px” author_text_shadow_vertical_length_tablet=”0px” author_text_shadow_blur_strength_tablet=”1px” position_text_shadow_horizontal_length_tablet=”0px” position_text_shadow_vertical_length_tablet=”0px” position_text_shadow_blur_strength_tablet=”1px” company_text_shadow_horizontal_length_tablet=”0px” company_text_shadow_vertical_length_tablet=”0px” company_text_shadow_blur_strength_tablet=”1px” body_link_text_shadow_horizontal_length_tablet=”0px” body_link_text_shadow_vertical_length_tablet=”0px” body_link_text_shadow_blur_strength_tablet=”1px” body_ul_text_shadow_horizontal_length_tablet=”0px” body_ul_text_shadow_vertical_length_tablet=”0px” body_ul_text_shadow_blur_strength_tablet=”1px” body_ol_text_shadow_horizontal_length_tablet=”0px” body_ol_text_shadow_vertical_length_tablet=”0px” body_ol_text_shadow_blur_strength_tablet=”1px” body_quote_text_shadow_horizontal_length_tablet=”0px” body_quote_text_shadow_vertical_length_tablet=”0px” body_quote_text_shadow_blur_strength_tablet=”1px” border_radii=”off|25px|25px|25px|25px” border_width_all=”3px” border_color_all=”#91A594″ border_color_top=”#91a594″ border_color_right=”#91a594″ border_color_bottom=”#91a594″ border_color_left=”#91a594″ box_shadow_horizontal_tablet=”0px” box_shadow_vertical_tablet=”0px” box_shadow_blur_tablet=”40px” box_shadow_spread_tablet=”0px” box_shadow_horizontal_image_tablet=”0px” box_shadow_vertical_image_tablet=”0px” box_shadow_blur_image_tablet=”40px” box_shadow_spread_image_tablet=”0px” text_shadow_horizontal_length_tablet=”0px” text_shadow_vertical_length_tablet=”0px” text_shadow_blur_strength_tablet=”1px” global_colors_info=”{}”]<\/p>\n

            \u201cOur relationship with Demboski & Chapman began when they provided insurance options for one of our small businesses. Our trust in them evolved to support both of our businesses as well as our personal finances. They have always gone above and beyond to strategically plan for us which supports our yearly and long term goals.\u201d<\/p>\n

            [\/et_pb_testimonial][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=”on|phone” admin_label=”ROW – Testimonials – Disclosure (MOBILE – Padding-Bottom: 100px;)” _builder_version=”4.25.1″ custom_padding_tablet=”” custom_padding_phone=”||100px||false|false” collapsed=”on” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Disclosure (Margin-Top: 30px;)” _builder_version=”4.27.4″ _module_preset=”default” text_font_size=”12px” text_line_height=”1.4em” custom_margin=”30px||||false|false” custom_margin_tablet=”30px||||false|false” custom_margin_phone=”0px||||false|false” custom_margin_last_edited=”on|phone” custom_padding_tablet=”” custom_padding_phone=”0px||||false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

            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\u2019 experience is unique and may not be representative of all customers. We are grateful for each client we have the privilege of serving.<\/p>\n

            [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

            Personal PlanningFinancial PlanningInvestment ManagementInsurance SolutionsFinancial PlanningReaching the Retirement Summit with the ARC Process\u2122 Like mountain climbing, financial planning begins with the goal of reaching the summit. The key to achieving that goal is planning and preparation. Our unique ARC Process (\u201cAchieving Retirement Clarity\u201d) lays out a clear path for accumulating assets for retirement. It explores […]<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-849","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.demboskiandchapman.com\/site\/wp-json\/wp\/v2\/pages\/849","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.demboskiandchapman.com\/site\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.demboskiandchapman.com\/site\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.demboskiandchapman.com\/site\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.demboskiandchapman.com\/site\/wp-json\/wp\/v2\/comments?post=849"}],"version-history":[{"count":175,"href":"https:\/\/www.demboskiandchapman.com\/site\/wp-json\/wp\/v2\/pages\/849\/revisions"}],"predecessor-version":[{"id":5432,"href":"https:\/\/www.demboskiandchapman.com\/site\/wp-json\/wp\/v2\/pages\/849\/revisions\/5432"}],"wp:attachment":[{"href":"https:\/\/www.demboskiandchapman.com\/site\/wp-json\/wp\/v2\/media?parent=849"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}