Mass Mutual/ DBS Financial Group

David B. Schulman, CLU, ChFC

General Agent, DBS Financial Group
1000 Corporate Drive, Suite 700
Fort Lauderdale, Florida 33334
954-689-9510
www.dbsgroup.com

After graduating from the Wharton School of Business at the University of Pennsylvania, David entered the life insurance business in 1975. He joined Massachusetts Mutual Life Insurance Company (MassMutual) as the General Agent in Fort Lauderdale, Florida in 1980, the youngest person ever appointed to this important position. At that time the agency was ranked 103 out of 103 agencies at MassMutual.

In 1996, as MassMutual finalized its merger with Connecticut Mutual, David’s territory expanded into Miami. He now serves clients from Key West to just south of Orlando, and covers the West Coast of Florida. David’s passion and goal was to be one of MassMutual’s top 5 agencies in the country. That dream became a reality in 1996 when he was named the number 4 agency. The South Florida agency consistently strives for excellence and has been recognized and ranked among the top 5 MassMutual agencies for the past eleven years as well as being a recipient of 11 MassMutual Chairman Trophy Awards.

These achievements were the result of consistent growth and David’s vision to build the finest agency in MassMutual, in terms of both quality of agents and quality of clientele. David believes there are three primary keys to success in the life insurance business: persistency, consistency and single-mindedness of purpose.

David’s community involvement has included serving as Chairman of the Board for the South Florida Chapter of the National Multiple Sclerosis Society and Goodwill Industries of Broward County. He is past president of Soref Jewish Community Center, Ramat Shalom Synagogue and Jewish Federation of Broward County. David serves on the Board of Trustees for Nova Southeastern University School of Business, Board of Trustees of Jewish Family Services, and Board of Trustees for the South Florida Chapter of the National MS Society.  He is also a Board member of TransCapital Bank and Sagemont Schools, and is a member of the Alexis de Tocqueville Society of United Way.

David and his wife Carrie live in Plantation, Florida and are the parents of Stacey, Todd, son in- law Matthew and daughter-in-law Sara, and proud grandparents of Brandon and Samuel.

Securities and investment advisory services offered through qualified registered representatives of MML Investors Services.
Member SiPC
CRN201402-155570

DBS Financial Group is the largest Massachusetts Mutual Life Insurance general agency in the State of Florida. Having been in the Financial Services Industry for 30 years DBS Financial Group has grown from the smallest MassMutual agency to one of the largest because of two factors. First, we make your needs our priorities. Second, we study the financial marketplace and communicate what we learn to you.

At DBS Financial Group we are committed to helping our clients plan for their financial independence. Our client’s success and satisfaction is

our motivating goal. We provide insurance and financial products and services for individuals, businesses and their employees. We believe in doing the right thing.
Our associates are backed by a team of specialists with many years of combined experience in financial and estate analysis, retirement plans, annuities, charitable giving, business insurance, executive compensation and employee benefits.

The relationship with your DBS representative starts with getting to know you – your dreams, your needs, your goals and financial objectives. This is the foundation for a rewarding partnership. DBS has the long-range vision to see which financial strategies have the potential to help you reach your goals. These strategies can help promote financial freedom, and give your family a measure of protection if you pass away or become disabled.

We offer a wide variety of products and services to help you solve today’s personal and business financial problems and to prepare for the future.

Personal strategies

Financial Resource Services

• Life & Disability Income Insurance Needs
• Review of Savings and Investments
• Retirement Income Needs
• Budgeting and Cash Flow Study

Retirement Products & Services

• Individual Retirement Accounts (IRAs)
• Fixed and Variable Annuities
• Retirement Needs Review
• Long Term Care Insurance

Tuition Funding Programs

• College Costs Analysis
• Insurance and Investment Products

Investment Products

• Mutual Funds
• Unit Investment Trusts
• Variable Annuities
• Direct Participation Programs
• Securities Brokerage Services

Estate Planning

• Estate Preservation
• Tax Reduction Strategies
• Charitable Giving

Business Solutions

Business Continuation Planning

• Funding Option Analysis
• Buy – Sell Strategies
• Family Business Succession Planning
• Key Person Insurance

Executive Fringe Benefits

• Executive Bonus Plans
• Split Dollar Insurance
• Deferred Compensation Funding
• Salary Continuation Plans
• Non-Qualified Executive Fringe Benefits

Employee Benefit Program

• Life and Disability Income Insurance
• Pension, Profit Sharing and 401(k) Plans
• Payroll Deduction Plans
• SIMPLE IRAs
• Non-Qualified Retirement Programs