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David J. Blount

Retirement, Investing, Insurance
“As founder of Investment & Insurance Planning Services, LLC, David J. Blount is committed to helping people find clarity in their financial lives so they can feel more confident and free to do the things they're passionate about.”

Investment & Insurance Planning Services, LLC

Job Title:

Certified FInancial PLanner ™


David J. Blount, CERTIFIED FINANCIAL PLANNER™ founded Investment & Insurance Planning Services, LLC in 2005. David earned one of the most respected financial planning designations, CFP® , in 2007, allowing him to provide a broad range of financial advice. Prior to founding his own company, he worked for Calton & Associates and The MONY Group. While companies and markets may fluctuate, David’s values are steadfast. He values providing straight-forward advice, integrity, professionalism, honesty, and responsive service. He believes that getting to know the person and building trust in an advisory relationship is the key to meeting client satisfaction.

At Investment & Insurance Planning Services, LLC, we believe that you should enjoy your health, wealth and time by doing the things that inspire you. Our client commitment is to provide great service and advice that’s consistent with your individual financial goals. We strive to help our clients find sound financial strategies that enable them to pursue and protect what's most important. Furthermore, we utilize our skills in retirement, investment, estate and insurance planning to help clients solve the financial complexities of making a life-change or adjusting to new circumstances.

David completed his undergraduate studies at Troy State University, where he graduated Summa Cum Laude with a Bachelors in Arts & Sciences. Prior to that he spent 9 years in the United States Coast Guard where he participated in the  aids to navigation, maritime law enforcement and search & rescue missions. He earned a number of military awards and recognitions during his time in the service. David has served as the guest financial expert on Orange Televisions Adult Lifestyle Magazine Show and currently serves as the Vice President for Seminole Health & Human Services Network and ELITE Networking groups. David also volunteers his time with the Hook Kids on Fishing programs and is active at Northland Church. When not working, David enjoys fishing and spending time with his wife, Michelle, and their two children, Ryan and Alana.


BS, Psychology, Troy State University

Fee Structure:


CRD Number:


Insurance License:

#Florida #D058365


Licensed: FL,TN,NC,MD,IN,PA,OH,

Registered Representative of The O.N. Equity Sales Company, Member FINRA/SIPC. One Financial Way, Cincinnati, OH 45242 (513)794-6794. Investment Advisory Services offered through O.N. Investment Management Company.

Contact your registered representative to obtain current prospectuses. Please read the prospectus carefully before you invest or send money. Investors should consider the investment objectives, strategies, risk factors, charges and expenses of the underlying variable portfolios carefully before investing.

Guarantees are based upon the claims-paying ability of the issuing insurance company.

As with any investment, investing in variable portfolios involves risk, including possible loss of principal. Past performance is no guarantee of future results.

All Answers
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    Banking, Retirement, Retirement Savings
How do I start growing a nest egg for retirement with very little savings?
100% of people found this answer helpful

Hello, thank you for the question.  First, accumulate an emergency savings account worth three to six months of your monthly living expenses. This money should be stored in a checking, savings or money market account so that it's accessible when needed and not at risk.   Then you'd want to understand the amount of risk that you're willing to take with the investment money to achieve your retirement goals. You can probably find some basic risk tolerance questionnaire’s online.  The amount of risk that you're comfortable with will then help guide you to a matching portfolio that's suitable for your investment objectives.  I'd also suggest finding a CERTIFIED FINANCIAL PLANNER™ in your local area to help you with this and creating a retirement plan. You can search for a financial planner in your zip code at www.letsmakeaplan.org.   A good planner can create a written retirement plan that will help you discern how much money you'll need to retire, how much income you can take from your portfolio and what return you'll need on your investments to fund your retirement income long-term.  Most will offer a free consult and by all means talk to several to find one with whom you're comfortable with before moving forward.  Often bank representatives just want to sell you products whereas a CFP® has a fiduciary duty to do what's in your best interests and to be fair they work in banks too. To summarize, have an emergency savings account, engage a good financial planner to help you create a plan, complete a risk tolerance questionnaire, select a portfolio then invest.  Hope this helps and all the best with your financial planning goals!

November 2018
    Life Insurance
Can an insurance company deny a life insurance payout?
71% of people found this answer helpful
July 2016
    Asset Allocation, Life Insurance
Should I keep my life insurance policy or take the cash value?
70% of people found this answer helpful
August 2016
    401(k), Real Estate
Should I use my 401k to pay cash for a home?
69% of people found this answer helpful
June 2016
    401(k), Choosing an Advisor, IRAs
Can an SEC licensed broker-dealer transfer your 401k account into an IRA without your permission?
67% of people found this answer helpful
June 2016