I’m David McClarty
I Got Business Protection That Covers Everyone
David McClarty sat in his office after another 12-hour day, reviewing the employee handbook he’d been updating. As the owner of a successful professional services firm, he’d built something meaningful with his 20 employees, but recent events had him thinking about protection and continuity. “What happens to everyone here if something happens to me?” he wondered, looking at photos of his team’s families on his desk.
The Challenge…
With an income between $150,000-$250,000 and a thriving business, David had achieved the entrepreneurial success he’d dreamed of, but growth brought new responsibilities and risks. His challenge wasn’t just personal financial security – it was ensuring business continuity, protecting his employees’ livelihoods, and providing competitive benefits that would help him retain top talent in a competitive market.
“I’m responsible for more than my own family now,” he told his business attorney during a planning meeting. “Twenty families depend on this business continuing successfully. I need strategies that protect everyone, not just me.”
His biggest frustration was finding advisors who understood that small business owners have unique needs that blend personal and business financial planning.The Breaking Point…
News of a competitor’s sudden closure sent shockwaves through David’s industry, leaving skilled professionals scrambling for new positions. “That could be us if I don’t plan properly,” he realized. “I need structures that ensure this business continues successfully regardless of what happens to me personally.”
Finding Saphira…
I connected with Saphira through a presentation at my professional association meeting focused on business protection and succession planning. Their understanding of small business owners’ unique challenges resonated immediately with me. “Finally,” I thought, “advisors who understand that business owners need both personal and business protection strategies.”
The Solution…
Saphira’s business planning team created a comprehensive protection strategy
Key Person Insurance
Key Person Insurance protected his business from the financial impact of his absence. “This provides immediate funds to keep operations running if you’re unable to work,” their advisor explained. “Your employees keep their jobs, clients remain served, and the business maintains stability during transition.”
Buy-Sell Agreement
Buy-Sell Agreement with insurance funding addressed succession planning. “This creates a clear path for business transfer while ensuring fair value for all parties,” the advisor noted. “Whether planned succession or unexpected events, everyone knows exactly what happens.”
Group Insurance
Group Insurance for employees enhanced his talent retention strategy. “Competitive benefits help you attract and keep top performers,” their advisor said. “We’ll design packages that provide real value for your team while remaining cost-effective for the business.”
Universal Life Insurance
Universal Life Insurance for personal wealth building separated his family’s financial security from business risks. “This ensures your family’s wealth grows independently of business performance,” the advisor assured him. “Your personal financial goals remain on track regardless of business cycles.”
The Difference…
I chose Saphira because they really get what business owners face:
They understand that my business success and personal financial security are interconnected, I said after implementing my plan. “This isn’t just insurance – it’s comprehensive business protection.”
Peace of Mind…
Within two years, David has the business protection strategy he was seeking. His key person coverage ensures business continuity, his employees enjoy competitive benefits, and his personal wealth grows independently of business performance. “I sleep better knowing that everyone who depends on this business is protected,” David reflects. “My employees’ families are secure, my own family’s wealth is growing, and the business has clear succession plans. That comprehensive protection lets me focus on growing the company instead of worrying about what could go wrong.” When other business owners ask for advice, David always says, “Find advisors who understand that business owners need both personal and business protection. Your success affects more than just your family – plan accordingly.”