David L. Cowan specializes in providing advice and outstanding service to individuals and business owners who are serious about developing a sound and time tested plan to protect their principal and ensure that their money lasts. Dave helps investors avoid common mistakes made by most retirees including when to take their Social Security Benefits, and he explains how he has counseled hundreds to avoid these pitfalls. He has also helped many to protect their estates against the threat of a long-term care illness.

Dave has helped people cut their taxes on social security income and at the same time maximize their benefits, avoid estate taxes, and protect their estate values. He's also shown people how to create a retirement income they can't outlive and how to spend their kid's inheritance and have them love them for it. Investors that have used his advice include AAA members, retired government employees, retired teachers, physicians, and business executives approaching retirement.

Dave's new mission is helping war time veterans and their widows who are in need of home or assisted living care qualify for VA benefits up to $1950 per month. Most veterans are unaware these benefits even exist. He has found it very rewarding helping out heroes and their families.

He has worked in the insurance and financial field since 1986. He is a frequent public speaker and has been a guest on several radio programs regarding long-term care and estate planning.

Dave lives in North Haven with his wife Renee, who also works in the office, and has one married daughter linving in Maryland, and another who is attending Paier College of Art.

When to start taking Social Security? Outliving retirement assets? Outliving retirement income? Losing your nest egg to market risk? Paying too much in taxes? Giving up your independence and dignity? Losing your nest egg to long-term care costs? Leaving a legacy to heirs?

Most retirees are concerned about several if not all of the issues listed above. Did you know that there are legal ways to reduce or eliminate income taxes on investments and Social Security, 81 possible combinations for a couple in choosing when to take Social Security Benefits, avoid the delay and cost of probate, reduce or eliminate market risk (and still have market based growth), exempt assets from collection by government or nursing home if you become ill (even if you do not own long-term care insurance)?

All retirees would like to know how to protect assets and ensure that they will not outlive a nest egg they have spent a lifetime working for. However, knowing whom to turn to on these issues is another story.