DLM Client Services

Life Insurance

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If you are like most of our clients your probably wondering what's the best type of life insurance to have?  Well I'm glad you asked.  At DLM Financial we believe that the best insurance to have is 1. The one that makes financial sense for you and your family 2. The one that is will pay if and when something should happen to you. 

There are two basic types of insurance "term" and "whole life".  We will help determine what's best for you and your family. "Did you know that life insurance is the only way you can pass wealth from one generation to another totally tax free!"

Disability Insurance

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Most people would not think of driving their vehicle around without car insurance.  Neither would the thought even enter into their minds of not having health insurance for even a moment.  How else would they pay for a costly medical treatment should it be needed.  What is the one common denominator that makes all of this possible?  If you answered your income then you are absolutely correct.  Disability insurance enables you to ensure that even at the most critical times you will have protection of your income.  Don't let a catastrophic situation happen to you before you realize how important it really is!!

Estate Planning

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Estate planning is the process of anticipating and arranging for the disposal of an estate. Estate planning typically attempts to eliminate uncertainties over the administration of a probate. and maximize the value of the estate by reducing taxes and other expenses. Guardians are often designated for minor children and beneficiaries in incapacity.



Other Professional Services

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DLM & Sons, Inc.
  • IRA Roll-Overs
  • Auto Pilot Investing
  • Annunities

Estate Tax

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The Estate Tax is a tax on your right to transfer property at your death. It consists of an accounting of everything you own or have certain interests in at the date of death. The total of all of these items is your "Gross Estate." The includable property may consist of cash and securities, real estate, insurance, trusts, annuities, business interests and other assets.  So as you can see your property may consist of more then a physical home or land.