About Us
Planning for small business owners:
Running your small business can be challenging to say the least. You have to be able to wear many hats and do things that are not what you are good at. You have to balance the bottom line with making sure that your customers and employees are happy.
How can I help you?
-Employee Benefits Programs
-Employee Loyalty Programs
-Employee Education
Planning for Divorcees and Blended Families:
Planning for divorcees and blended families can be complicated. There are multiple families involved and additional layers that do not exist with a traditional family. Families can have additional problems and complications with the premature or natural passing of a parent if the proper planning has not been done beforehand.
How Can I Help You?
-Cash Flow Coaching/Budgeting
-Protection Analysis
-Employee/Employer Benefits Analysis
-Estate Planning
-Tax-Efficient Strategies
-Retirement Planning
Why Work With Me?
Whether you are a small business owner or an individual, I'm passionate about making sure that you are using your dollars as effectively as possible. In my 10 years of finance experience, I've seen countless businesses and individuals struggle with knowing how to make the right decisions and where to go for individualized advice specific to them and/or their business. They work with multiple financial companies at any given time but do not know how to effectively manage them all and how to make them work together. I help them take a holistic view and identify any overlaps and gaps and show them unique and alternative ways to remove those overlaps and fill the gaps. I make sure that they have the proper financial and legal protection in place so that they can have financial confidence.
Products and Services:
-Cash Flow Coaching/Budgeting
-Life Insurance
-Disability Insurance
-Long Term Care Insurance
-Supplemental Insurance (Hospital, Accident, Cancer, Critical Care)
-Education
The products and services we offer
Recommendations Received (10)
"Davis is an excellent source of knowledge in his field. "
"He is very knowledgeable about insurance, and bennifits."
Products & Services
I provide a wide range of benefits, both traditional and outside of the box benefits, where the employer sets how much they spend on their benefits...
When you need to count on expertise, we're here to help. Zicopula Financial offers free consultation calls to clients in and around Champlin. Let u...
Payroll doesn't have to be a pain. Let Zicopula Financial take care of your payroll processing to ensure your employees get paid accurately and on ...
Recent Activity
I have a couple solutions to this issue.
The first one is you can offer a supplemental program and if you signed up for a policy and would be willing to pay for at least one product year round, you could keep the account open and add employees as you hired them and then remove them when they...
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I have a couple solutions to this issue.
The first one is you can offer a supplemental program and if you signed up for a policy and would be willing to pay for at least one product year round, you could keep the account open and add employees as you hired them and then remove them when they were let go for the season. There is a second way to do it if you were not willing to pay for your products year round but it is messy.
The second option is there are some products that you can do direct, meaning they pay for it out of their checking or on a credit card, but because they signed up through the business, they get a discount.
I have 2 recommendations.
The first is to join a BNI networking group. If you are not familiar their website is www.bni.com. They meet weekly with the sole purpose of passing each other warm leads. You may also contact me and I would be happy to discuss with you further. In my opinion,...
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I have 2 recommendations.
The first is to join a BNI networking group. If you are not familiar their website is www.bni.com. They meet weekly with the sole purpose of passing each other warm leads. You may also contact me and I would be happy to discuss with you further. In my opinion, your dollars are much better spent here than to buy leads.
That being said, if you still want to purchase leads, the best place I found is parasol leads but I am not sure if they offer health insurance leads. www.parasolleads.com
David Zicopula
david@zicopulafinancial.com
763-592-9071
1 Reply
I believe it is heading in that direction. Unless something changes, I see catastrophic plans for most people with supplemental insurance (hospital plans, accident plans, critical care plans, etc.) filling in the gaps.
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I believe it is heading in that direction. Unless something changes, I see catastrophic plans for most people with supplemental insurance (hospital plans, accident plans, critical care plans, etc.) filling in the gaps.
Personally for me BNI (Business Network Internationl) has been the best source. Yes, it does cost some money but to me it's totally worth it. You build relationships, get warm introductions (most of the time), and it helps you grow personally and professionally.
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Personally for me BNI (Business Network Internationl) has been the best source. Yes, it does cost some money but to me it's totally worth it. You build relationships, get warm introductions (most of the time), and it helps you grow personally and professionally.
My calendar but I time block each of my tasks. I have a time blocked off for prospecting, meetings, planning/paperwork, networking, meeting with existing clients, misc time (fires that need to be put out), etc. That way if I stick to my time block all my tasks get done that need to for the day...
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My calendar but I time block each of my tasks. I have a time blocked off for prospecting, meetings, planning/paperwork, networking, meeting with existing clients, misc time (fires that need to be put out), etc. That way if I stick to my time block all my tasks get done that need to for the day and I don't get caught up doing paperwork all day but no prospecting, for example.
2 Replies
I do not have a direct answer to your question but I can tell you the 3 most common mistakes I see small business owners making when it comes to offering benefits.
1) Jumping into health insurance too soon. Health insurance is a huge en devour these days. It can be a large strain on the...
(more)
I do not have a direct answer to your question but I can tell you the 3 most common mistakes I see small business owners making when it comes to offering benefits.
1) Jumping into health insurance too soon. Health insurance is a huge en devour these days. It can be a large strain on the business as the costs are high and they keep getting higher. When you start offering health insurance, you are at the mercy of the insurance companies and your benefits budget is not under your control, but the insurance companies. In other words, you don't get to decide (apart from choosing a different plan or carrier) how much to spend on benefits, the insurance company does because they control the rate increases. Also, offering health insurance when you did not before can actually hurt some of your employees more than help them. Depending on their family situation and income they may be eligible for government or state subsidies that go away once their employer offers health insurance. For instance, a single mom might have her health insurance 100% covered by the government (no monthly premiums) with a $0 deductible. The moment their employers offers health insurance, they are now responsible for their half of the premiums, which will be at least $100+ a month AND they now have some sort of a deductible in the event they need anything other than preventative care.
2) They offer and pay for products that the employees don't find valuable (which might be the mistake you are trying to help business owners avoid with your question/post). For instance, the business might be offering dental insurance and paying for it for everyone, but some may not be using it.
3) They don't offer anything because they don't think they can afford it. There are many options that can be offered that are either voluntary (employee paid if they choose to sign up) or completely free. Many local companies are willing to educate your employees over a lunch and learn and they don't charge anything to do it. Also, a local massage therapist for example, may be willing to come in and do free 5 min chair massages knowing that they will probably gain clients because of it.
1 Reply
Are you talking about buying leads via a website or creating a website to push leads to you?
If you are looking to purchase leads, I have used 2 of them. One was Parasol Leads (www.parasolleads.com) and the quality of leads were pretty good. I set a number of appointments with them and the...
(more)
Are you talking about buying leads via a website or creating a website to push leads to you?
If you are looking to purchase leads, I have used 2 of them. One was Parasol Leads (www.parasolleads.com) and the quality of leads were pretty good. I set a number of appointments with them and the ones that I didn't, still all seemed legit.
The second one I used was crap...I think it was AllWebLeads but I am not 100% possitive. They sent me lots of leads but they seemed to be bogus...the info was bad or they said they never requested quotes. Their policy was that they would credit you new leads for any bad ones (bad info) but when they replace crap leads with more crap leads it was not helpful. I ended up disputing their charges through my credit card company and they credited them but then the website came after me and threatened to sue me so I settled with them out of court.
