David Henke, Agent at New York Life

08/21/2026

A sickness or injury doesn't care about your business timeline. And if you're unable to work, the income you rely on could be interrupted.
Many business owners plan for external risks—a slow quarter, a lost contract, or changing market conditions. Fewer have a plan for the risk of being unable to work themselves.
Individual disability insurance may help replace a portion of your income during a qualifying disability due to sickness or injury.
I help business owners protect what matters most with the right disability coverage. Let's connect.

Read about what individual disability insurance is, and how this private coverage from NYL can offer personal income protection in the event of a disability.

08/20/2026

We lost 12-0.

And honestly, that may have been one of the most important games of our season.

At the beginning of the year, we were scrambling just to put a team together.

Players had aged out or moved up. Some hadn't played in years. Some were completely new to the team. We had limited practice time before our first game.

We lost the first one about 5-1.

Then came the 12-0 loss.

Parents were frustrated. Some were talking about quitting altogether or even folding the team. There was also talk about trying to bring back players from the previous season, kids who were working, playing other sports, or simply wanted to play up with their friends.

But I didn't think we had a bad team.

I saw good athletes, good players, and most importantly, good kids.

We just weren't playing good soccer yet.

I told them that.

I told them it would come, but only if they were willing to work for it. We weren't going to fix everything overnight. But if they were willing to show up, listen, stay coachable, and put in the work, we could get better.

And I could see that they wanted to.

So we met with the players and parents and made a simple commitment.

Show up consistently.
Stay coachable.
Work hard.
Get a little better every practice, every game, every shift.

I'd love to tell you we went undefeated after that.

We didn't.

But after starting the season 0-2, we went **4-2 the rest of the way**.

And more importantly, we were competitive every time we stepped on the field.

We finished 4-4, but the record wasn't really the story.

We became a team.

Players stepped into leadership roles. They encouraged each other. They challenged each other in practice. They started believing they belonged on the field with the same teams that had beaten them.

Looking back on that season, I realized something.

Coaching isn't about having all the answers. A lot of it is helping someone see what's possible, figuring out where they want to go, and giving them some guidance on how to get there.

They still have to do the work.

And that's actually pretty close to how I approach what I do professionally.

Sometimes people hesitate to talk with me because they assume they already know what the conversation is going to be about.

But it doesn't have to start with a product or a decision.

Sometimes it simply starts with a conversation about where you are, where you'd like to go, and what's important to you.

You may already be doing a lot of things right.

Maybe there are opportunities you haven't considered.

Or maybe a conversation simply confirms that you're on the right path.

Either way, having another set of eyes can be valuable.

You don't have to be losing 12-0 to benefit from a coach.

Sometimes it's worth having someone take a look at the field with you.

If you'd like to talk, I'm happy to listen.

No pressure. No obligation. Just a conversation.

Pick a time that works for you:

[email protected]?anonymous&ismsaljsauthenabled&ep=plink" rel="ugc" target="_blank">https://outlook.office.com/bookwithme/user/[email protected]?anonymous&ismsaljsauthenabled&ep=plink

08/20/2026

The loss of a spouse can bring both emotional and financial challenges. Many people suddenly find themselves managing important financial decisions on their own for the first time.

Whether it's understanding income sources, reviewing beneficiary information, or discussing long-term retirement goals, you don't have to navigate these decisions alone.

If you or someone you care about is facing the loss of a spouse, contact me to discuss strategies that can help provide clarity, confidence, and financial security for the years ahead.

08/19/2026

As a business owner, your ability to work is often closely tied to the income you earn.
Mortgage payments. Household bills. Everyday expenses. They don't stop if a covered sickness or injury keeps you from working.
Individual disability insurance may help replace a portion of your income during a qualifying disability.
I help business owners protect what matters most with the right disability coverage. Let's connect.

Read about what individual disability insurance is, and how this private coverage from NYL can offer personal income protection in the event of a disability.

08/18/2026

Your target retirement age is looming, but you're not sure you're on track to retire the way you want? Here are some action items to consider.

Your target retirement age is looming, but you're not sure you're on track to retire the way you want? Here's what to do.

08/17/2026

Looking for a little more certainty with your money?
Check out this guaranteed interest rate.
Contact me today!

08/15/2026

When business slows down, your mortgage doesn't. The car payment, the tuition, and the household expenses all run on a schedule that has nothing to do with how last month went.
Many business owners have thought through their business risks. The personal financial exposure that comes with a bad stretch due to an owner’s qualifying sickness or injury preventing them from working and earning an income.? That's the gap people forget to plan for.
I help business owners protect what matters most with the right disability coverage. Let's connect.

Read about what individual disability insurance is, and how this private coverage from NYL can offer personal income protection in the event of a disability.

08/13/2026

There's more financial advice out there for young people than ever—and somehow, that's making things harder, not easier. Trends like ""girl math"" and ""no-spend"" months turn budgeting into a game or a punishment, when what most young people actually need is a plan.
I'm sharing an article that gets into why all this noise is landing the way it is—and what actually helps cut through it.
https://bit.ly/3S2TInu
Whether you’re thinking about how to build a stronger financial foundation for you or someone you care about, reach out. I’m always here to talk.

08/12/2026

Your mortgage, your car, your kids' school—these obligations continue to exist whether you continue to work on your business or become disabled.
And when your income as an owner is interrupted, your household feels it first.
Many business owners have a plan for the business. Fewer have thought through what happens at home if a qualifying sickness or injury prevents them from working and earning an income.
I help business owners protect what matters most with the right disability coverage. Let's connect.

Read about what individual disability insurance is, and how this private coverage from NYL can offer personal income protection in the event of a disability.

08/10/2026

🥅⚽ **Protecting the Goal**

My youngest started playing goalkeeper all the way back in U8.

At first, I thought she chose goalie because she was lazy. 😂 And honestly, there may have been a little truth to that early on.

I remember asking her once why she liked playing a position where you rarely get the credit for winning the game—but can very easily get blamed for losing one.

Her answer surprised me.

She liked the mental part of it. Seeing the entire field. Watching the movement. Anticipating the play. And being the one responsible for protecting the goal.

Over the years came goalkeeper training, bruises, collisions, great saves, tough goals and plenty of heartbreak.

Then something happened she couldn't control…

**The goals kept getting bigger. She didn't. 😂**

Eventually, she transitioned back onto the field.

After all the time she had put into being a goalkeeper, that could have derailed her. She wasn't happy about it, but she handled it the same way she handled being in net.

She accepted what she couldn't control, adapted and kept playing.

And there's a lesson in there that goes way beyond soccer.

We spend our lives working toward goals—raising our families, building careers, saving for retirement, helping our kids and creating the future we want.

But every once in a while, life takes a shot we never saw coming.

Something we couldn't predict.
Something we didn't ask for.
Something we couldn't possibly have known was coming.

That's where planning matters.

**You can't stop every shot life takes at you. But you can be better prepared for it when it comes.**

Scoring goals matters.

**Protecting them matters too. 🥅**

If you've never really looked at your financial game plan—or it's been a while since you have—let's have a conversation.

⚽ What's the goal you're working hardest to protect?