David Brown

Helping Small Business Owners, Working Professionals & Retirees Protect What They’ve Built | Business Protection, Annuities, Medicare, Retirement Planning

Noverantex-ClearCompany Talent Management Softwareex-New York Life

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Most people don't think about insurance until something forces them to. A diagnosis.

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A birthday that puts Medicare on the table. A business partner who says "what happens if one of us can't work?" By then, the best options have already narrowed. I help people get ahead of those moments. I'm a Licensed Insurance Agent, Retirement Specialist, and Registered Financial Planner with Owen Insurance Group - a national independent marketing organization with 500+ advisors licensed across 40+ states. That independence means I work with dozens of carriers rather than just a single company's shelf, so the recommendation always fits the client, not the other way around. I work with four types of clients: For individuals approaching or in retirement, I focus on: - Medicare Supplement plans that fill the gaps Original Medicare leaves open - Fixed and indexed annuities for guaranteed retirement income - Protection strategies that keep a health event from wiping out a lifetime of savings For working professionals still building toward retirement, I focus on: - Evaluating where you stand today against where you need to be - Building a savings and protection strategy that fits your timeline and income - Identifying gaps early - before they become expensive problems - Creating a realistic path to retirement income you can count on For small business owners, I focus on: - Key person insurance to protect the business if a critical player goes down - Buy-sell agreement funding so ownership transitions don't become crises - Executive benefit and deferred compensation strategies to retain top talent - Business continuity planning that actually holds up under pressure What I bring to this work is different from most agents. I spent 25 years in executive leadership, business development, and revenue strategy before entering financial services full-time. I've sat in the chair my business-owner clients sit in. I've built teams, managed payroll, navigated partner disputes, and lived the risks that keep owners up at night. That experience shapes how I approach protection planning - not as a product pitch, but as a business conversation. If you're approaching Medicare eligibility, thinking about retirement income, still building toward retirement and want to make sure you're on the right path, or running a business without a protection plan in place, I'd welcome a conversation. com com (561) 719-0507