BUSINESS PLANNING
Our team of Business Planning Specialists will work closely with your legal and tax advisors to help you reach your business planning goals. These goals can be anything from maximizing your personal benefits, providing benefits to help recruit and retain employees, protecting the business in case of the loss of a key employee, and creating ownership succession strategies. Once our team puts your customized plan is in place, we continue to support you by conducting ongoing reviews to ensure that your plan is on track. A few of the areas our team will help you with are:
Retirement Planning
Qualified plans can help owners and employees build financial independence. Some examples are 401(k), pension, profit sharing, SIMPLE, and Defined Benefit plans.
Executive Compensation Strategies
We design supplemental pension, deferred compensation, executive bonus, and other retirement and incentive compensation programs. These programs motivate key people with financial incentives that enhance employee retention.
Employee Benefits
We can help you create the employee benefit package that’s right for your business, including disability income insurance, long term care insurance, employee voluntary plans, and cafeteria plans.
Educational Services
We can conduct seminars for your employees on their retirement packages. And as a value-added service, we offer educational seminars on a variety of financial topics.
Key Person Insurance
The death or disability of a key employee can create serious problems for a business. We can help you protect against this loss.
Business Succession Planning
Our succession strategies can be tailored to your wealth transfer objectives. We can provide life insurance and disability income insurance funding for a Buy-Sell Agreement to provide for the orderly disposition of a closely held business if an owner dies, becomes disabled, or sells their portion of the business.
Family Business Planning
Our unique resources in this field identify alternative strategies to help equalize estate assets among beneficiaries – whether they’re active or inactive in the family business.
BENEFIT PLANNING
Ensure a Smooth Transition of Ownership, and Protect Family Income
If your business is closely held, the management team usually wants to be sure they maintain control. Each owner also wants to know that his or her family will receive a fair price for their shares of the business after an owner dies. A business continuation plan can help assure an orderly transfer of the business.
Hire the Best People, and Strengthen their Loyalty
Attracting and keeping good employees can be a challenge. Although your competitors may offer attractive benefit packages, there are affordable ways to compete in hiring and keeping top talent. We can work with you to help you develop financial strategies as well as recommend the appropriate financial products and services that meet your financial objectives.
Reward and Motivate Key Employees
You know how valuable your top performers are. We can show you ways to reward and motivate your outstanding executives cost-effectively.
Overcome the Limits of Qualified Retirement Plans
Traditional retirement plans are an important part of an employee benefit package. However, they typically favor lower-paid employees, leaving owners and highly compensated executives looking for additional ways to save for retirement. We can help you avoid this problem by creating attractive executive retirement options.
Protect your Company from the Loss of a Key Asset
The death of an owner or executive on whom you depend can be very difficult. Your company's most valuable people are often the hardest to replace. A Key Person Plan funded with life insurance can help you protect your company.
Provide Owners and Executives with Estate Planning Benefits
Owners and senior executives often have complex financial situations that can make estate planning difficult. We can work with you to address every executive's specific needs. We'll help you provide the right strategies to keep your executives-and yourself-successful and satisfied.
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