{"id":874,"date":"2024-01-15T22:10:06","date_gmt":"2024-01-15T22:10:06","guid":{"rendered":"https:\/\/www.demboskiandchapman.com\/site\/?page_id=874"},"modified":"2026-04-17T16:06:16","modified_gmt":"2026-04-17T16:06:16","slug":"business-planning","status":"publish","type":"page","link":"https:\/\/www.demboskiandchapman.com\/site\/business-planning\/","title":{"rendered":"Business Planning"},"content":{"rendered":"

[et_pb_section fb_built=”1″ admin_label=”HERO – Business Planning (Padding-Top: 20px; Padding-Bottom: 30px;) — IMAGE 03_2″ _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\/02\/DECH_site_images_lrg_1920x1200_03_2.jpg” custom_padding=”20px||30px||false|false” global_module=”4048″ 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 TEXT (Margin-Top: 0px; Margin-Bottom: 0px; Padding-Top: 0px; Padding-Bottom: 0px;)” _builder_version=”4.24.0″ 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

Business 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 – Business Planning (Padding-Top: 25px; Padding-Bottom: 40px;)” _builder_version=”4.24.0″ _module_preset=”default” background_color=”#f6f1e6″ custom_padding=”25px||40px||false|false” global_module=”4050″ saved_tabs=”all” locked=”off” 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″ disabled_on=”off|off|off” admin_label=”ICON – Strategic Planning” _builder_version=”4.24.0″ _module_preset=”default” background_color=”#6b916d” custom_margin=”||20px||false|false” custom_padding=”25px|35px|25px|35px|false|false” border_radii=”on|100%|100%|100%|100%” global_colors_info=”{}”][\/et_pb_icon][et_pb_text admin_label=”HDR – Strategic 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

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

[\/et_pb_text][et_pb_button button_url=”https:\/\/www.demboskiandchapman.com\/site\/business-planning\/#strategic-planning” button_text=”Learn More” button_alignment=”center” admin_label=”BUTTON – Strategic 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 Solutions” _builder_version=”4.27.4″ 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 Solutions<\/span><\/h4>\n

[\/et_pb_text][et_pb_button button_url=”https:\/\/www.demboskiandchapman.com\/site\/business-planning\/#investment-solutions” button_text=”Learn More” button_alignment=”center” admin_label=”BUTTON – Investment Management” _builder_version=”4.27.4″ _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\/business-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″ custom_padding_last_edited=”on|phone” admin_label=”SECTION – Strategic Planning (ID: strategic-planning) \u2014 10-07-25″ module_id=”strategic-planning” _builder_version=”4.23.4″ background_enable_image=”off” background_size=”initial” custom_padding=”||8vw||false|false” custom_padding_tablet=”0px||||false|false” custom_padding_phone=”” locked=”off” collapsed=”on” global_colors_info=”{}”][et_pb_row column_structure=”3_4,1_4″ admin_label=”ROW – Strategic Planning” _builder_version=”4.16″ collapsed=”on” global_colors_info=”{}”][et_pb_column type=”3_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text admin_label=”HDR – Strategic 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

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

[\/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

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.<\/p>\n

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.<\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_image src=”https:\/\/www.demboskiandchapman.com\/site\/wp-content\/uploads\/2024\/02\/DECH_SITE_IMAGE_JohnDemboski_074_1280x1526.jpg” title_text=”DECH_SITE_IMAGE_JohnDemboski_074_1280x1526″ _builder_version=”4.24.0″ _module_preset=”default” custom_padding=”20px||||false|false” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=”off|off|off” admin_label=”ROW – Strategic Planning #2″ _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=”TEXT – Strengthening Personal Finances and Building Wealth” _builder_version=”4.23.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Strengthening Personal Finances and Building Wealth:<\/h3>\n

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.<\/p>\n

[\/et_pb_text][et_pb_text admin_label=”TEXT – Retaining the Company within Your Family” _builder_version=”4.23.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Retaining the Company within Your Family:<\/h3>\n

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!<\/p>\n

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

Developing an Exit Strategy:<\/h3>\n

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.<\/p>\n

[\/et_pb_text][et_pb_image src=”https:\/\/www.demboskiandchapman.com\/site\/wp-content\/uploads\/2024\/02\/DECH_SITE_IMAGE_MISC_Office_95_1280x432_2.jpg” title_text=”DECH_SITE_IMAGE_MISC_Office_95_1280x432_2″ _builder_version=”4.24.0″ _module_preset=”default” custom_margin=”||0px||false|false” custom_padding=”40px||0px||false|false” global_colors_info=”{}”][\/et_pb_image][\/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 Solutions (ID: investment-management) (MOBILE – Padding-Top: 50px; Padding-Bottom:120px;) \u2014 10-07-25″ module_id=”investment-solutions” _builder_version=”4.27.4″ 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||120px||false|false” top_divider_style=”mountains2″ bottom_divider_style=”mountains2″ bottom_divider_color=”#6b916d” locked=”off” collapsed=”off” 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 – 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 – Investment Solutions” _builder_version=”4.27.4″ 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 Solutions<\/span><\/h2>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=”ROW – Investment Management – Text” _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=”TEXT – Optimizing Retirement Plans for Your Business” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Optimizing Retirement Plans for Your Business<\/h3>\n

As a business owner, you have access to a range of tax-advantaged retirement savings tools that can bene\ufb01t 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 \ufb01t for your company\u2019s unique needs\u2014whether that\u2019s a 401(k), Cash Balance Plan, Pro\ufb01t Sharing, or SIMPLE\/SEP IRA. We\u2019ll also help you explore non-quali\ufb01ed plans that offer additional bene\ufb01ts for key employees, giving you the \ufb02exibility to tailor your retirement plan to your team\u2019s structure. Let us help you use your retirement plan effectively to maximize value for your business and your people.<\/p>\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 – 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=”4.23.1″ 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=”42px” 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 column_structure=”2_3,1_3″ disabled_on=”off|off|off” admin_label=”ROW – Insurance Solutions #2″ _builder_version=”4.23.1″ 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=”2_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”TEXT – Protecting Your Employees and Wellbeing through Employee Benefits” _builder_version=”4.27.4″ _module_preset=”default” text_text_color=”#ffffff” header_3_text_color=”#ffffff” global_colors_info=”{}”]<\/p>\n

Protecting Your Employees through Employee Benefits<\/h3>\n

A strong business starts with a healthy team. Offering the right benefits isn\u2019t just a perk\u2014it\u2019s a smart investment in your company\u2019s 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\u2019t appreciate what they don\u2019t understand. Our role is to bring Clarity and Confidence to your benefits program\u2014so your employees feel supported, and you see the return on your investment.<\/p>\n

[\/et_pb_text][et_pb_text admin_label=”TEXT – Protecting Your Business Against Loss of Key Employees” _builder_version=”4.27.4″ _module_preset=”default” text_text_color=”#ffffff” header_3_text_color=”#ffffff” global_colors_info=”{}”]<\/p>\n

Protecting Your Business Against Loss of Key Employees<\/h3>\n

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.<\/p>\n

[\/et_pb_text][et_pb_text admin_label=”TEXT – Protecting a Business Partnership” _builder_version=”4.27.4″ _module_preset=”default” text_text_color=”#ffffff” header_3_text_color=”#ffffff” global_colors_info=”{}”]<\/p>\n

Protecting a Business Partnership:<\/h3>\n

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.<\/p>\n

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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=”VPP” job_title=”Demboski & Chapman client of 14 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 – VPP \u2014 BUSINESS” _builder_version=”4.27.4″ _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

\u201cWorking with DCFIS\u00a0has been a seamless experience\u2014knowledgeable, caring, and always looking out for our best interests, they\u2019ve given us complete peace of mind with our coverage.\u201d<\/p>\n

[\/et_pb_testimonial][et_pb_testimonial author=”RPI” job_title=”Demboski & Chapman client of 5 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 – RPI (MOBILE – Margin-Top: 40px;) \u2014 BUSINESS” _builder_version=”4.27.4″ _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

\u201cWe\u2019ve never experienced such genuine care and responsiveness from any benefits advisor \u2014 and our employees feel the same way. Thank you, DCFIS!\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=”KHIA” job_title=”Demboski & Chapman clients of 1 year” 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 – KHIA (MOBILE – Margin-Top: 40px;) \u2014 BUSINESS” _builder_version=”4.27.4″ _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

\u201cJuan 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.\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=”BFPM” job_title=”Demboski & Chapman client of 4 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 – BFPM \u2014 BUSINESS” _builder_version=”4.27.4″ _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

\u201cDemboski & 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.\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=”DTLP” job_title=”Demboski & Chapman clients of 5 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 #6 – DTLP (MOBILE – Margin-Top: 40px;) \u2014 BUSINESS” _builder_version=”4.27.4″ _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

\u201cThe team at Demboski & Chapman provides us with the peace of mind to focus on running our business, knowing that we\u2019re in capable hands. Their support goes beyond just numbers and quotes – they offer practical advice and take real action when it\u2019s 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.\u201d<\/p>\n

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“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 \u2018all-in,\u2019 as I like to call it. This is also a company that is a\u00a0GREAT corporate citizen.\u00a0They 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.\u201d<\/p>\n

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\u201cWe 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.<\/p>\n

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!\u201d<\/p>\n

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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

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