Veterans understand preparation, responsibility, and sacrifice. Financial planning should reflect the same mindset. At Divine Path Financial, we help veterans use properly structured life insurance to provide living protection, family security, and efficient wealth transfer—not just a payout after death.
This is about control, dignity, and honoring the people who depend on you.
Life insurance with Living Benefits is designed to protect you during life’s hardest moments—not just after you’re gone.
If you experience a qualifying:
Critical illness
Chronic illness
Terminal diagnosis
You may be able to access a portion of your policy while living to cover medical costs, replace income, protect your home, or reduce financial stress on your family.
This is not a loan. It’s protection working when it matters most.

When health events happen, financial damage often follows immediately. Properly designed coverage helps:
Keep income flowing during recovery
Prevent retirement account withdrawals
Avoid debt or forced asset sales
Maintain stability for spouses and children
For veterans, this added layer of protection helps bridge gaps that government programs and benefits may not fully cover.
This is not a loan. It’s protection working when it matters most.

Beyond protection, life insurance can be a powerful wealth transfer tool. When structured correctly, it allows you to:
Pass assets to loved ones income-tax free
Equalize inheritances
Create certainty in an uncertain world
Leave a clear, intentional legacy
This is especially important for veterans who want to protect family members while avoiding unnecessary taxes, delays, or legal complications.
We do not believe in selling one-size-fits-all solutions. Living Benefits and wealth transfer strategies are tools. Used correctly, they solve real problems. Used incorrectly, they create them.
Our role is to educate first, explain options clearly, and help veterans decide what aligns with their life, values, and goals.
THIS APPROACH IS OFTEN A FIT FOR VETERANS WHO:
Have families or dependents
Want protection beyond death-only coverage
Are planning for retirement or legacy
Value control, clarity, and flexibility
Every plan is built individually. No pressure. No obligation.

Stanley Gauss brings more than a decade in financial services and over two decades of strategic business planning experience to his work with families and business owners. He is a relentless advocate for the middle class, focused on protecting people from bad advice, opaque products, and systems designed to benefit institutions over individuals. Through Divine Path Financial, Stanley leads with education, transparency, and disciplined strategy—helping clients make clear, confident decisions that strengthen income, preserve wealth, and build lasting stability for the generations that follow.
At Divine Path Financial, holistic wealth management means looking at the entire financial picture—not just investments or insurance in isolation. We align cash flow, protection, tax efficiency, income planning, legacy goals, and risk management into a single, coordinated strategy that adapts as life changes. The goal is simple: reduce financial stress, eliminate blind spots, and build a resilient plan that serves the client’s life, values, and long-term vision.
In addition to his professional work, Stanley serves on the board of the Make the Difference Foundation, where he is actively involved in efforts to feed the poor, bring joy and dignity to children, and support those who serve on the front lines. The foundation’s work extends to protecting and honoring veterans and first responders—people who give of themselves daily with little expectation of recognition. This commitment reflects a belief that success carries responsibility, and that business should be a vehicle for service, not just profit.
Stanley’s work is also grounded in his Christian faith. He believes stewardship, integrity, and compassion are not marketing slogans, but obligations. Faith informs how decisions are made, how clients are treated, and how resources are used—to serve people well, speak truth plainly, and act with accountability. For Stanley, financial guidance is ultimately about helping others live with greater peace, purpose, and stability while honoring God through responsible leadership and service.
[email protected] | 732.496.4979



Don’t rely on traditional life insurance policies that only protect your family if you die.
Living Benefits policies aren’t more expensive, they’re just more expansive.