Before You Scale,
Get the Strategy for Your Money.
A strategic diagnostic and roadmap that shows founders how to allocate, sequence, and protect capital as their business scales.
Step 1: 10-min Triage → Step 2: Paid Diagnostic → Step 3: Implementation.
10 minutes to assess your capital needs. No sales pitch.
The Origin Truth
I'm Daniel Speiss. My grandfather returned from World War II—a frogman who served with distinction—and rather than resting, he built a career protecting families through insurance. My father followed suit, becoming a top producer at Metropolitan Life. He raised me on stories of resilience—policies that stood between a family's financial ruin and their survival when the unthinkable happened. It wasn't about the transaction; it was about the safety provided.
I never planned to follow this path. My career began elsewhere—in technology, financing, and operations. But a conversation with a business owner changed my perspective. He was a successful sole operator, yet completely exposed. No succession plan, no liquidity for his family, no protection for his life's work. I realized then: this wasn't about "selling" anything. It was about preventing catastrophe. It was about stewardship.
Today, I work with Stone Press Financial Group. I don't serve the mass market; I partner with founders, investors, and business owners. I focus on advanced markets because I understand the complexity of building entities. I know that early stage growth often justifies risk—until it threatens the very empire you're building.
Scale Readiness & Capital Blueprint
A systematic approach to capital allocation before growth breaks your business.
Business Health & Cash Flow Diagnostic
We analyze your revenue timing, margins, burn rates, and spot risk exposure points.
- • Revenue & margin stability review
- • Cash runway modeling
- • Risk exposure audit (insurance, legal, tax)
Capital Allocation Blueprint
Where incremental dollars should go first: ops, reserves, protection, lending prep.
- • Operating cash & reserves strategy
- • Reinvestment allocation logic
- • Risk mitigation timing
- • Capital access preparation
Strategic Growth Roadmap
Time-based roadmap for what happens at each revenue inflection point.
- • Sequencing by revenue milestones
- • Insurance activation timing
- • Lending preparation events
- • 12-36 month implementation plan
What You Get
PDF Diagnostic + Scorecard
Complete assessment of your business health and risk exposure
Cash Allocation Model
Clear dollar-flow logic as revenue scales
Growth Readiness Roadmap
Time-based implementation plan (12-36 months)
Capital Blueprint Engagement
Clarity first. Execution second.
Diagnostic + Blueprint
Complete 3-phase diagnostic, capital allocation blueprint, and growth roadmap.
Get Your BlueprintBlueprint + Implementation Guide
Includes blueprint plus detailed implementation templates and quarterly review.
Get Blueprint + GuideI've been in the operator's seat. I've seen businesses bleed cash servicing debt because they lacked the assets to secure better financing. You don't fix that with more revenue. You fix it with better architecture.
Most founders know how to sell — they don't know what to do with the money as revenue grows.
Phase 4: Implementation
Once your capital strategy is defined, we implement protection through insurance architecture. This isn't product sales — it's engineered optionality.
I lead the architecture; placement may involve carrier/partner specialists where required.
When I consult with a founder, we don't discuss products. We discuss exposure:
- "If you are removed from the business today, does your family have the liquidity to replace your income, or the knowledge to liquidate your shares?"
- "If your partner becomes disabled, are you prepared to run the business with their spouse?"
- "You aim to retire in five years. Is your exit strategy funded, or is it purely theoretical?"
These questions often cause a pause. Not because they are harsh, but because they reveal the gap between current success and future security.
Insurance Implementation: Core Outcomes
We move beyond "products" to solving specific business risks.
Business Continuity
If you or a partner exits unexpectedly, the business must survive without draining cash reserves to buy out equity.
- • Buy-Sell Funding
- • Key Person Liquidity
- • Overhead Protection
Investor & Lender Confidence
Satisfy board mandates and bank covenants (SBA/Commercial) with compliant, collateralized coverage.
- • Term Life for SBA Loans
- • VC-Mandated Key Man
Tax-Advantage & Liquidity
Use corporate dollars to build personal balance sheets and create tax-free exit ramps for founders.
- • Cash Balance Plans
- • Corporate-Owned Life Insurance (COLI)
- • Executive Bonus Section 162
Asset Protection
Ring-fence personal assets from professional liabilities and litigious risks (e.g. life, buy-sell, key person). Other lines coordinated with specialists as below.
Coordination with partner specialists
For D&O, E&O, Cyber, and Umbrella lines, I lead the architecture and strategy; placement may be delivered in coordination with carrier or partner specialists where required.
- • D&O / E&O Liability
- • Cyber Liability
- • Personal Umbrella
The 4-Step Advisory Method
We advise first. We structure second. We place third.
Discovery & Business Mapping
We analyze your P&L, Cap Table, and Org Chart to understand where the actual risks sit—not just what policies you think you need.
Risk & Continuity Design
I build the architecture. We calculate exactly how much liquidity is needed for a partner buyout or key person replacement.
Placement & Structuring
We go to market. I advocate with underwriters using your business narrative to secure the best offers, then structure the ownership (Trusts/LLCs) correctly.
Annual Review Cadence
Your business changes. We review annually to adjust coverage as valuations change, protecting you from over-paying or under-insuring.
The Reality: Insurance isn't the goal; it is the foundation of your leverage. Tax strategies, annuities, and buy-sell agreements are the tools. But placing life insurance on a balance sheet? That creates real optionality. It provides asset-based leverage for banking, clear exit ramps for partners, and unshakeable security for your legacy.
My goal isn't just to be a broker you speak to once a year. It's to ensure that when life's contingencies occur, you aren't left wishing for a different outcome. You have the peace of mind that comes from engineered optionality.
That is the responsibility I carry—honoring the legacy of my father and grandfather, but upgrading the approach for the modern business owner who needs to change the score, not just survive the game.
Insurance Implementation Models
Transparent planning fees for the architecture. Commissions for the products.
Professional
- • 60 min total (e.g. 2 × 30-min sessions)
- • Personal income protection design
- • Basic life insurance illustrations
- • Underwriting advocacy
Founder
- • 2 hours of planning time
- • Key Person & Buy-Sell architecture
- • Bank-compliance underwriting
- • Funding strategies
Business Owner
- • 4+ hours (as needed or per custom)
- • Multi-partner buy-sell
- • Estate equalization
- • Executive retention plans
- • Tough underwriting cases
Not sure which level you need? Start with a triage call.
Book Strategy Triage (10 min)Producer Compensation Disclosure
Your Insurance Producer's Role: I, Daniel Speiss, am acting as your insurance producer (agent/broker) in this transaction. My role is to assist you in evaluating your insurance needs and to help you select appropriate insurance products that meet those needs.
Compensation: I will receive compensation from the insurance company or other third parties based, in whole or in part, on the sale of insurance products to you. This compensation may include commissions, bonuses, expense allowances, or other forms of remuneration.
Compensation May Vary: The compensation I receive may vary depending on a number of factors, including but not limited to:
- The specific insurance product you select
- The insurance company that issues the policy
- The volume of business I provide to the insurer
- The profitability of the insurance products I sell to the insurer
- Other factors as determined by the insurer
Request Additional Information: You have the right to request detailed information about the compensation I expect to receive based on the sale of insurance products to you, as well as compensation I would receive for any alternative quotes I present to you. To request this information, please contact me directly or visit our detailed compensation disclosure page.
Notice: This disclosure is provided in accordance with New York Insurance Department Regulation 194. This disclosure applies to all insurance sales, including sales to residents of New York and sales of insurance products that will be delivered in New York.
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