Business Owners

Retain. Protect. Coordinate.

Acumen thrives on helping business owners attract, reward, and retain their key employees, preserve ownership equity, and coordinate business succession with their estate plans. Successful business owners use life insurance to protect their families and surviving business owners, provide supplemental retirement income not tied to the business, and retain key employees without offering equity. Remember to protect the ones you love and have a plan in place while growing your businesses.

Helping You Succeed

Acumen works with me and my team of advisors to design and place the life insurance policy.

“I own a specialty electric business that caters to naval and maritime clientele. My unexpended demise would devastate the value of my company and prevent my family from reaping the benefits of my decades of hard work and sacrifice. At the suggestion of both my lawyer and my business consultant, David Jacobs of Acumen Insurance Advisors worked with me and my team of advisors to design and place the life insurance policy that has become a critical part of my overall business succession and estate plan. We still meet regularly to gauge my policy’s performance and make necessary changes. Acumen Insurance Advisors is the firm to work with for life insurance.”

Bill PotterOwner, Potter Electric, National City, CA

“I am enjoying the peace of mind that comes with knowing that my family is protected.”

“Our family is fortunate to own and operate a network of car wash and auto care facilities throughout the northeast. Protecting our wealth for our children and grandchildren, of whom there are many, is paramount. We now have two generations of our family taking advantage of the expertise that David Jacobs and his team at Acumen Insurance Advisors provide. Even though the firm is headquartered on the west coast, we have found them easy to communicate and do business with. I am enjoying the peace of mind that comes with knowing that my family is protected. Thank you, Acumen.”

Dick BarightOwner, Foam & Wash Car Washes, Tivoli, NY

“They worked directly with me, my attorney and my accountant to customize and implement an intuitive wealth transfer and insurance plan that fit perfectly with my goals and objectives.”

“Being in a service-oriented industry for over 40 years, I demand integrity, honesty, and a high level of expertise from my professional advisors. The team at Acumen Insurance Advisors, especially David, Scott and their staff, exceeded these expectations. As the owner of a family business and in a second marriage, my situation is not straightforward. They worked directly with me, my attorney and my accountant to customize and implement an intuitive wealth transfer and life insurance plan that fit perfectly with my goals and objectives. I recommend Acumen to anyone who wants to work with top-notch professionals in their field who always have their clients’ best interests at heart.”

Mark ChapparoneOwner, Chapparone Auto Body, San Diego, CA

“Since the partners have legal backgrounds, they understood how to properly design our coverage to accomplish my family’s wealth transfer planning objectives.”

“As a practicing lawyer, I constantly come across professionals who claim to work in the life insurance field, but Acumen Insurance Advisors truly specializes in life insurance. Since the partners have legal backgrounds, they understood how to properly design our coverage to accomplish my family’s wealth transfer planning objectives. They also brought important issues to the table that my family did not originally consider. Due to changes in family dynamics, we had to make decisions that required significant changes to our policies, and Acumen helped every step of the way. I strongly recommend working with this firm.”

John Hullverson, Esq.Partner, Emison Hullverson Law Firm, Tiburon, CA

“I cannot emphasize enough how important it is to review your COLI and SERPs with the experts at Acumen”

“Like many other credit unions, SAFE invested in Corporate-Owned Life Insurance (COLI) as a way to offset the cost of our benefits plans. Through Scott Hinkle and his team at Acumen Insurance Advisors, we came to learn that not all COLI is created equal. In our case, restructuring our COLI with Acumen will ultimately provide SAFE with a substantial increase in long term income from our original program. In addition, Acumen is now administering our existing Supplemental Executive Retirement Plans (SERPs), providing a level of service and insight that I have no experienced elsewhere. I cannot emphasize enough how important it is to review your COLI and SERPs with the experts at Acumen Insurance Advisors.

Dave RoughtonPresident & CEO, SAFE Credit Union

“We feel secure knowing that our needs will be met in the event that anything happens to either or both of us.”

“We are both professionals in the world of high tech and life insurance has always been a key part of our financial planning. We feel secure knowing that our needs will be met in the event that anything happens to either or both of us. Life insurance provides a solid backup to meet our mortgage, medical, education for our kids, and other major expenses in case we are not around to continue providing for our family. Most of all, life insurance gives us peace of mind. We have known David Jacobs of Acumen Insurance Solutions for 20 years. He is an expert in the field, providing guidance, transparency, and, above all, a high level of trustworthiness. You can trust him with your life insurance needs, too!”

Steve and Mamatha Rosenbaum

“Real estate is my area of expertise and life insurance planning is his.”

“David Jacobs coordinated with me, my mother, our CPA, and our attorney to design life insurance coverage to help fund our family’s multi-generation tax and estate plan. David’s legal background was of great value during our team’s planning discussions. Many years later, when tax laws changed and our need for some of the insurance lessened, he helped us liquidate coverage for far more than we paid in premiums. Real estate is my area of expertise and life insurance planning is his. David can be trusted to help you and your family, too. ”

Eric MurphyPresident, ELM Enterprises

“David Jacobs and his team at Acumen Insurance Solutions stand out as nationally recognized life insurance experts”

“As the owner of a life settlement company, I interact with life insurance agents from across the country every day. David Jacobs and his team at Acumen Insurance Solutions stand out as nationally recognized life insurance experts who are also a pleasure to work with. I have seen the level of trust that their clients place in them, and I recognize their ability to communicate honestly and effectively. When it comes to meaningful life insurance planning, you will have a great experience working with David Jacobs and Acumen Insurance Solutions.”

Lisa R.

“Not only does David assist me and my wife with our life insurance needs, but his depth of expertise and excellent communication skills make me feel comfortable”

“As a practicing lawyer, I understand the importance of working with professionals who are knowledgeable and trustworthy. That’s why I rely on David Jacobs with Acumen Insurance Solutions. Not only does David assist me and my wife with our life insurance needs, but his depth of expertise and excellent communication skills makes me feel comfortable when he is advising my mother on her coverage as well. You will have a great experience working with David.”

Will Griffith

“Not only does David assist me and my wife with our life insurance needs, but his depth of expertise and excellent communication skills make me feel comfortable”

“As a practicing lawyer, I understand the importance of working with professionals who are knowledgeable and trustworthy. That’s why I rely on David Jacobs with Acumen Insurance Solutions. Not only does David assist me and my wife with our life insurance needs, but his depth of expertise and excellent communication skills makes me feel comfortable when he is advising my mother on her coverage as well. You will have a great experience working with David.”

David SeligCEO, Advice Dynamics Partners, LLC

“The plan also provides our key people with a safe, simple, and more tax efficient result.”

“From my perspective, it is critical that a Supplemental Executive Retirement Plan (SERP) work well for both out people and the credit union itself. The program Gateway Services introduced us to that Scot Hinkle, JD, CFP and his team designed first and foremost increased our yield on a significant portion of cash and equivalents by 4% while maintaining the safety and liquidity. The plan also provides our key people with a safe, simple, and more tax efficient result. Compared to other popular programs marketed to credit unions, ours is incredibly flexible and requires 35% less capital to achieve the desired retirement benefit for each executive.”

Doug FerraroCEO, Bellco Credit Union

Acumen works with me and my team of advisors to design and place the life insurance policy.

“I own a specialty electric business that caters to naval and maritime clientele. My unexpended demise would devastate the value of my company and prevent my family from reaping the benefits of my decades of hard work and sacrifice. At the suggestion of both my lawyer and my business consultant, David Jacobs of Acumen Insurance Advisors worked with me and my team of advisors to design and place the life insurance policy that has become a critical part of my overall business succession and estate plan. We still meet regularly to gauge my policy’s performance and make necessary changes. Acumen Insurance Advisors is the firm to work with for life insurance.”

Bill PotterOwner, Potter Electric, National City, CA

“I am enjoying the peace of mind that comes with knowing that my family is protected.”

“Our family is fortunate to own and operate a network of car wash and auto care facilities throughout the northeast. Protecting our wealth for our children and grandchildren, of whom there are many, is paramount. We now have two generations of our family taking advantage of the expertise that David Jacobs and his team at Acumen Insurance Advisors provide. Even though the firm is headquartered on the west coast, we have found them easy to communicate and do business with. I am enjoying the peace of mind that comes with knowing that my family is protected. Thank you, Acumen.”

Dick BarightOwner, Foam & Wash Car Washes, Tivoli, NY

“They worked directly with me, my attorney and my accountant to customize and implement an intuitive wealth transfer and insurance plan that fit perfectly with my goals and objectives.”

“Being in a service-oriented industry for over 40 years, I demand integrity, honesty, and a high level of expertise from my professional advisors. The team at Acumen Insurance Advisors, especially David, Scott and their staff, exceeded these expectations. As the owner of a family business and in a second marriage, my situation is not straightforward. They worked directly with me, my attorney and my accountant to customize and implement an intuitive wealth transfer and life insurance plan that fit perfectly with my goals and objectives. I recommend Acumen to anyone who wants to work with top-notch professionals in their field who always have their clients’ best interests at heart.”

Mark ChapparoneOwner, Chapparone Auto Body, San Diego, CA

“Since the partners have legal backgrounds, they understood how to properly design our coverage to accomplish my family’s wealth transfer planning objectives.”

“As a practicing lawyer, I constantly come across professionals who claim to work in the life insurance field, but Acumen Insurance Advisors truly specializes in life insurance. Since the partners have legal backgrounds, they understood how to properly design our coverage to accomplish my family’s wealth transfer planning objectives. They also brought important issues to the table that my family did not originally consider. Due to changes in family dynamics, we had to make decisions that required significant changes to our policies, and Acumen helped every step of the way. I strongly recommend working with this firm.”

John Hullverson, Esq.Partner, Emison Hullverson Law Firm, Tiburon, CA

News & Insights from the Acumen Insurance Solutions Team

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How Credit Unions Can Improve 457(f) Plans for Executives

September 30, 2022

Credit unions can improve 457(f) plans for executives by selecting the right 457(f) plan provider and selecting strong plan design and administration practices.

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Using Life Insurance as an Investment Tool

September 25, 2022

Life insurance is a low-risk option to stabilize an investment portfolio. Permanent policies offer tax-advantaged, cash value components that can be accessed pre-death.

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How to Protect Your Family Using Life Insurance

September 18, 2022

Protect your family and loved ones using life insurance. Life insurance coverage can provide financial security and cover medical and educational expenses.

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Top Six Reasons Why Smart Business Owners Use Life Insurance

September 14, 2022

Most smart business owners recognize the importance of using life insurance to protect them, their families, and their companies. They use life insurance as a financial tool to solve many of the problems associated with maintaining and growing a successful company, as well as to accomplish retirement, succession, and estate planning objectives.

Using Cash Value Life Insurance to Retain Top Talent

August 28, 2022

Cash value life insurance can retain top talent by offering significant death benefits and funding executive retirement programs and bonuses.

couple reviewing their life insurance with broker in front of home

Exit Strategies for Life Insurance Policies

August 8, 2022

There are many reasons why you may no longer want or need your…

Business Owners

Retain. Protect. Coordinate.

Helping You Succeed

Attract and Retain Your Key Employees Without Giving Up Equity

Protect Your Business With a Buy-Sell Agreement and Life Insurance

Coordinate Your Business Succession and Estate Plan

News & Insights from the Acumen Insurance Solutions Team

How Credit Unions Can Improve 457(f) Plans for Executives

Using Life Insurance as an Investment Tool

How to Protect Your Family Using Life Insurance

Top Six Reasons Why Smart Business Owners Use Life Insurance

Using Cash Value Life Insurance to Retain Top Talent

Exit Strategies for Life Insurance Policies

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