Whether you’re a longtime business owner or an aspiring entrepreneur, we offer a wide array of services to help address your financial needs at every stage of the business life cycle. Taking into account your personal values and financial goals, we’ll create and execute a customized strategy to meet your objectives. Running a business is hard work: let us relieve some of the burden by providing services to keep everything running smoothly for you, your employees and your customers.
We will work with you and your plan fiduciaries to find the right retirement plan for your needs and budget, and help you find the best way to fund these qualified and non-qualified plans. Some of the options available to you are profit sharing, 401(k), defined contribution, and defined benefit plans.
The success of most businesses depends on the talent, passion and work ethic of key executives. Executive benefit packages can help you attract, motivate and retain high-caliber employees, keeping your company healthy and stable. We can help you with funding non-qualified plans, supplemental employee retirement plans, split dollar plans and more.
Succession planning allows owners to retire from their business within their own time frame, while preparing for the company to be transferred to family members, key employees, an outside party or even a charity. This must be done in a way that achieves personal financial security, maintains harmony and achieves maximum value for the business. We can provide financial strategies to ensure a smooth transition for everyone.
Key person life insurance offers a death benefit that helps indemnify an employer for the loss of one of its most important assets—the key person. This can help assure continuity of the business for employees, customers and creditors, while protecting against losses in sales, momentum and credit. It can also be used to assist with recruiting and developing a replacement for the employee.
A buy-sell agreement is a legally binding agreement between co-owners of a business that governs the situation if a co-owner dies or leaves the business, whether by force or by choice. A funded cross-purchase buy-sell plan utilizes life insurance to help ensure that the arrangement is properly funded so that there will be money if the event occurs.
Deferred compensation is a written agreement between an employer and an employee in which the employee chooses to have part of his or her compensation withheld by the company, invested on their behalf and distributed to them at a predetermined point in the future. Deferred compensation can be used as a flexible way to attract and incentivize key employees. We provide funding strategies for deferred compensation.