David B. Lencses

President & Founder, DBL Agency

  • Graduated us naval academy  1962 B.S. nautical engineering
  • Us naval aviator for anti submarine patrol and Vietnam test pilot 1963/1968
  • Commercial airline pilot 1968/1999 (trans world airlines/piedmont and us air)
  • Retired 737 captain 1999
  • Entered financial planning industry 1969 initially specializing in retirement planning and 403(b) tax shelter educational retirement plans
  • In addition now specialize in retirement planning incorporating ira , 401k and pension plans along with their ira conversions, using mutual funds, both fixed and variable  deferred annuities, college funding plans, life and health insurance and income preservation
  • Founded the David B. Lencses agency in 1975 and merged the Ron Polonsky agency into  it in 2010. This is a family owned business, giving personalized service to each of our clients. We treat each of our clients as an extended member of our family.
  • Hold licenses in multiple states for all of the above products. All mutual fund, variable  annuities and stock sales sold as a registered representative through the broker dealership of royal alliance associates inc.

* Securities products and services are offered through Royal Alliance Associates, Inc., Member FINRA/SIPC, a registered broker-dealer. In this regard, this communication is strictly intended for individuals residing in the State of New Jersey. No offers may be made or accepted from any resident outside the specific state(s) referenced.


A broker-dealer, investment adviser, BD agent, or IA rep may only transact business in a state if first registered, or is excluded or exempt from state broker-dealer, investment adviser, BD agent or IA rep registration requirements, as appropriate. Follow-up, individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirement, or an applicable exemption or exclusion.

DBL is a registered insurance agency and is not affiliated with Royal Alliance Associates.

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