Landmark Financial Services, LLC.

09/25/2026

08/21/2026

𝗜𝘀 𝗬𝗼𝘂𝗿 𝗣𝗮𝘆𝗰𝗵𝗲𝗰𝗸 𝗣𝗿𝗼𝗽𝗲𝗿𝗹𝘆 𝗣𝗿𝗼𝘁𝗲𝗰𝘁𝗲𝗱?
𝑅𝑜𝑐𝑘𝑦 𝑀𝑜𝑢𝑛𝑡 𝑇𝑒𝑙𝑒𝑔𝑟𝑎𝑚
𝐴𝑢𝑔𝑢𝑠𝑡 22, 2026

Most successful families insure their homes, cars and businesses. Yet one of their largest assets—their ability to earn an income-is often inadequately protected.

𝟭. 𝗞𝗻𝗼𝘄 𝘄𝗵𝗮𝘁 𝘆𝗼𝘂𝗿 𝗲𝗺𝗽𝗹𝗼𝘆𝗲𝗿 𝗰𝗼𝘃𝗲𝗿𝗮𝗴𝗲 𝗿𝗲𝗮𝗹𝗹𝘆 𝗽𝗿𝗼𝘃𝗶𝗱𝗲𝘀.
Many executives and employees have group long-term disability insurance and assume they are well protected. But employer-paid benefits are generally taxable. While a healthy employee may take home 75-80% of income after taxes, a disability could leave them living on approximately 40-45%. Where would the missing 30-40% of your income come from?

𝟮. 𝗣𝗿𝗼𝘁𝗲𝗰𝘁 𝘆𝗼𝘂𝗿 "𝗻𝗶𝗰𝗵𝗲”—𝗻𝗼𝘁 𝘀𝗶𝗺𝗽𝗹𝘆 𝘆𝗼𝘂𝗿 𝗮𝗯𝗶𝗹𝗶𝘁𝘆 𝘁𝗼 𝘄𝗼𝗿𝗸.
Quality "Own Occupation" disability insurance can supplement group coverage and protect your ability to earn a living in your specific "niche" / specialty. Benefits protect against both total and partial disabilities when illness or injury reduces your ability to work and earn.

𝟯. 𝗗𝗼𝗻'𝘁 𝗿𝗲𝗹𝘆 𝘀𝗼𝗹𝗲𝗹𝘆 𝗼𝗻 𝗦𝗼𝗰𝗶𝗮𝗹 𝗦𝗲𝗰𝘂𝗿𝗶𝘁𝘆 𝗗𝗶𝘀𝗮𝗯𝗶𝗹𝗶𝘁𝘆.
Social Security Disability has a restrictive definition of disability and can involve a lengthy application or appeals process of 12 - 24 months. It is not designed specifically to protect your own occupation or professional specialty. Many are not approved for social security disability.

𝟰. 𝗣𝗿𝗼𝘁𝗲𝗰𝘁 𝗺𝗼𝗿𝗲 𝘁𝗵𝗮𝗻 𝘆𝗼𝘂𝗿 𝗽𝗮𝘆𝗰𝗵𝗲𝗰𝗸.
Our firm has personally guided clients through the claims process. We have witnessed disability benefits preserve a family's lifestyle and dignity-keeping the mortgage and utilities paid, groceries in the refrigerator, children in college and retirement plans moving forward.

Fortunately, you won't need this protection forever. It is most valuable during your working years, while you and others depend on your income and your retirement plan is not yet fully funded. Once your retirement plan is adequately funded to retire, the need for disability protection diminishes.

Disability protection can be surprisingly affordable- only 1-3% of your salary—and priceless when needed.

"Own - Occupation" disability planning is a specialized area often overlooked in traditional financial planning. For more than 30 years, Landmark Financial Services, LLC has helped clients review their coverage, identify gaps and determine whether their income-and the lifestyle it supports-is properly protected.

Robert G. Land, LUTCF, CLTC, DIA, DIF, is president of Landmark Financial Services, LLC, an executive and employee benefits firm serving Rocky Mount, Raleigh and surrounding communities for 30 years.

05/29/2026

thought you'd enjoy this post.

Many people prepare better for vacations than they do for life’s major transitions.
But you are not most people.

What if you were financially prepared for the outcomes most likely to happen in life?

✔ In good health — enjoy life, family, vacations, college funding, and retirement planning.

✔ In sickness or an accident — have emergency savings, medical coverage, and disability income protection in place.

✔ In aging — prepare for Medicare and Long-Term Care needs before a crisis occurs.

✔ In passing — protect your family and business partners through thoughtful life insurance planning.

Life will change.
Preparation helps you face those changes with greater confidence and peace of mind.

Let’s have a conversation so you can enjoy today — and tomorrow — a little better.

05/29/2026

Many people prepare better for vacations than they do for life’s major transitions.
But you are not most people.

What if you were financially prepared for the outcomes most likely to happen in life?

✔ In good health — enjoy life, family, vacations, college funding, and retirement planning.

✔ In sickness or an accident — have emergency savings, medical coverage, and disability income protection in place.

✔ In aging — prepare for Medicare and Long-Term Care needs before a crisis occurs.

✔ In passing — protect your family and business partners through thoughtful life insurance planning.

Life will change.
Preparation helps you face those changes with greater confidence and peace of mind.

Let’s have a conversation so you can enjoy today — and tomorrow — a little better.

05/02/2026

Learn from nature on saving for your future! We're here to help! www.LMFS.org

Ever see a squirrel stash acorns in various spots for winter? (That’s budgeting in action!)

How about a beaver building a dam? (That’s long-term planning!)

Or ants saving crumbs all summer? (That’s an emergency fund!)

Nature’s got financial instincts to inspire us. Take a cue from the critters and start saving and planning for the future like a pro. Your future self will thank you and maybe do a happy little otter dance!

05/02/2026

Business owners—are your health insurance renewals increasing again in 2026?

I encourage you to enjoy this insightful article from regional healthcare pioneer Gaston Gage. His leadership continues to help employers think differently about healthcare strategy. https://lnkd.in/g64ytcGV

At Landmark Financial Services, LLC, our independent agency provides business owners objective research and the **full waterfront of solutions**—including traditional insured plans, partial and self-insured strategies, PEOs, ICHRAs, Medical sharing and Direct Primary Care combinations.

Before renewing the status quo, make sure you’ve seen the whole picture. If a thoughtful second opinion would be helpful, we’re always glad to be a resource.

🌐 [www.LMFS.org](http://www.LMFS.org) | 30 years reliably serving business owners

How Brokers can change healthcare For many brokers it’s been a long time, maybe decades, since you took your insurance licensing exams. Do you remember the definition of an agent and a broker? A licensed insurance person who is an agent represents the insurance company. In fact, actions of the age...

04/06/2026

Ever see a squirrel stash acorns in various spots for winter? (That’s budgeting in action!)

How about a beaver building a dam? (That’s long-term planning!)

Or ants saving crumbs all summer? (That’s an emergency fund!)

Nature’s got financial instincts to inspire us. Take a cue from the critters and start saving and planning for the future like a pro. Your future self will thank you and maybe do a happy little otter dance!

04/06/2026

4 million kids (grand-kids) already have a retirement head start—does yours?

530A “Trump Accounts” are changing the game:

• $1,000 federal seed money (for kids born 2025–2028). Free money from the government!

• Contributions open July 4, 2026—from family, friends, even employers

A rare chance to build wealth from day one.

Let’s talk: 252-451-0381 | [email protected]

03/31/2026

So thankful for the privilege to serve our great individual and group clients. Our fabulous service team of Rhonda and Diane are the workhorses who make our business shine! Ladies, take a bow!

A Rocky Mount businessman recently earned a special recognition that qualifies him among the world’s leading professionals in the financial services industry.

03/25/2026

https://www.indeed.com/job/insurance-client-relationship-manager-35ed8beeb4ad3fd9

Spread the Word! We're adding a new team-mate soon. Part time position with matching retirement plan, bonus potential and health insurance.

Landmark Financial Services, LLC