David Babecki, Author at DB3 Insurance Services

13 Aug 24

US Household Debt Over The Past 25 Years

This post will be a bit different in that it addresses US household debt over the past 25 years. I believe this is important, as it outlines consumers’ treatment of debt during different economic cycles. The current economic cycle we find ourselves in has shown the consumer increasing their debt…

03 May 24

The True Cost Of Delaying Life Insurance

The old statement that the two things guaranteed in life are death and taxes couldn’t be more true; taxes are clearly a part of American life and death is certainly inevitable. While options to avoid paying taxes are limited (they can sometimes be deferred, but eventually need to be paid),…

Insurance advisor conducting a beneficiary review.

03 Apr 24

Why Beneficiary Reviews Are So Critical…

In financial planning, life insurance stands out as a cornerstone for providing financial security to loved ones in the event of the policyholder’s demise. However, amidst life’s ever-changing landscape, it’s easy for the crucial aspect of beneficiary designations to slip through the cracks. Regular life insurance beneficiary reviews are not…

12 Mar 24

Sequence of Returns Risk

Approaching retirement is a significant milestone in one’s life journey, marking the transition from years of hard work to a period of newfound freedom and relaxation. However, in the midst of the excitement of retirement planning, there exists a crucial yet often overlooked factor that can profoundly influence retirees’ financial…

23 Feb 24

The Importance of Disability Insurance

We all know that life is unpredictable, and while we often plan for the future with optimism for ourselves, our families and our business, it’s crucial to acknowledge the potential hurdles that may arise unexpectedly. One such challenge is disability – an event that can abruptly disrupt one’s ability to…

08 Feb 24

Protecting the Surviving Spouse’s Income

Retirement is the culmination of years of planning, saving and dreaming of the time when leisure activities take precedence over employment and work-related issues. When that time does actually arrive, thoughts of travel and a long life with no income worries should take priority. For many, however, those thoughts are…

23 Jan 24

Not A “One-And-Done”…

Welcome to 2024! With 2023 now in the rearview mirror, January is the appropriate time to take stock of the previous year, as well as plan ahead for the year upcoming. One of the critical (but often forgotten) topics of review is your life insurance policy. For most, after the…

05 Oct 23

“Are You 100% Sure You’re Going To Have A Great Retirement or Do You Have Some Doubt?”

If you’re like most of the country, you’re getting a bit concerned about the ever-increasing cost of just about everything while interest rates continue their climb (making buying on time even more expensive). As I’m sure you know, paying more for life’s essentials without a corresponding increase in income means…

14 Jun 23

Frothy Markets, Redux…

A little more than two years ago I wrote a post entitled “Frothy Markets”, referring to the S&P 500’s incredible performance from late March 2020 to when it was written in May 2021 (you can click HERE to read it). The reason I’m bringing this up is because I see…

24 Mar 23

Inflation Crisis 2.0

My, how time can fly by. A little over a year ago, I posted an article dubbed “Inflation Crisis”, in which I opined about the dramatic rise in prices in both goods and services, the likes of which inflation hasn’t had an effect on in 40 years. Included in that…

David Babecki

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