Business Services

Our Business Services

Whether you are concerned with building and protecting your business or starting to think about your exit strategy, our team can help with guidance on group insurance, benefits, investments and your buy/sell plan.

Our Approach

We work with businesses to create tailored solutions that suit their timeline, goals, and needs for retention and succession planning. We work closely with your team of trusted professionals - attorneys, CPAs, estate planning firms, and banks to help ensure a comprehensive plan with a clear vision. By collaborating, we ensure your financial journey is aligned with your lifetime goals and the legacy you leave.

We prioritize what matters most to you and your future. Count on us to support you through all of life’s moments, providing personalized guidance every step of the way.

You Focus On Business Growth.
Our Team Will Keep Our Eye On Solutions.

Investment Strategies

Business owners may refer to their business as their retirement strategy. However, the true value of the business is often unknown. The exit strategy and availability of a willing and financially able buyer is not always aligned. Our goal is to help business clients realize their dreams. We collaborate with other professionals to help guide our clients through these deals with particular attention to exit structure and tax efficiency. We provide the following solutions for S Corps, C Corps, LLCs, and Sole Proprietors:

Retirement Plans such as SIMPLE IRAs, 401(k), 403(b), SEP IRAs
Defined Contribution
Defined Benefits
Profit Sharing Plans
457(b) & 457(f) Plans

Cash Balanced Pension Plans
Non-Qualified Deferred Compensation (also known as Excess Plans)
Employee Stock Ownership Plans (ESOPs)

In addition, we can provide the following solutions:

Buy-Sell Reviews
Informal Business Valuation
Key Person Compensation Agreements
Split Dollar Plan

Executive Bonus Plans (For Profit or Tax-Exempt)
Cross-Purchase Life Insurance Agreements
Retained Earnings Strategies

Life Insurance Solutions

Online searches for coverage lack professional experience to incorporate tax-efficient financial and legacy planning. We review coverage or products that you are considering or policies you already have in place to determine if they meet the needs of you, your business, and your family.

We determine life insurance needs for our clients based upon the financial plan and then we source the policy for them utilizing trusted carriers. Once that is agreed upon, we can provide the following solutions:

Key Person Insurance
Guaranteed Standard Issue Term Insurance
Term insurance
Universal Life
Variable Universal Life
Whole Life

Survivorship Policies
Corporate Owned Life Insurance
Cash Accumulation, Death Benefit only or Combination Strategies
Group & Voluntary Life Benefits
Current Coverage Analysis

Disability Income Insurance Solutions

Your income helps you pay for your home, transportation, food, child care and the list goes on. It is a key part of many of your accomplishments and that is why protecting it should be a priority. Often paired with group coverage provided by your employer, which provides an after-tax benefit, individual policies provide pre-tax benefits and may be essential in replacing your monthly budgetary needs. We can source a variety of disability coverage solutions utilizing trusted carriers. We can provide the following solutions to meet your needs:

Guaranteed Standard Issue Disability Protection
Key Person & Executive Carve Out Plans

Short & Long Term Disability (Employer Paid or Voluntary)
Current Coverage Analysis
Individual Disability Insurance

Group Benefits Solutions

Given our experience in company retirement plans such as 401(k), 457, 403(b) plans, we also offer group benefits to help you recruit and retain your most significant investment: your employees. We can bundle these services with our retirement planning solutions, offering a suite of products with a holistic perspective. These benefits can be employer paid, employee paid, or self funded depending on your business specifics. We can provide the following solutions:

Medical
Non-Medical (Vision & Dental)
Hospital Indemnity, Critical Illness, & Accident

Life Insurance
Short & Long Term Disability
Health & Wellness Solutions
Paid Family Medical Leave

Tax Efficient Strategies

We can work with your tax planning firm or provide you with a network of trusted professionals to help with your tax planning needs. We collaborate with your tax professional to be aligned with what we are providing for you on the financial and business planning side. We can provide the following solutions:

Succession Planning Solutions
Estate Planning Strategies

457 Payout Options
Pension Funding

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If you believe you could benefit from working with a financial professional, let’s review your portfolio, financial trajectory, and goals to see if you’re a good match for our practice.

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