Business Owners
We recognize the financial challenges faced by business owners and seek ways to maximize their life's work with increased certainty.
We help business owners overcome worry and procrastination through a clear process that addresses:
Ensuring your business is protected if you were to leave today.
Developing a strategy for business growth before your departure.
Effectively leveraging your most valuable assets—your people.
Crafting an exit strategy to realize the full value of your life's work.
Solutions Overview
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Employee Attraction & Retention
Develop and implement benefits and strategies to help you attract and retain your best employees while mitigating risk and building your company’s balance sheet.
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Protection & Risk Management
Safeguard your business interests from potential risks through key employee protection and sound buy-sell agreement funding, while maintaining continuity and stability.
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Exit/Succession Planning
Create a plan to sell your business to a child, family member, key employee, or third party buyer to understand the implications of this path from a financial, business risk, and cash flow perspective.
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Coordination of Personal & Business Planning
Optimize your personal balance sheet by consolidating your personal and business balance sheets to understand the direct effects your business decisions make on your personal finances.
Take advantage of our complimentary services
Incentive & Retention Plans:
Employees are the #1 asset of any business
Retention is key to exit
Creates a market for sale to an insider
Increases salability & purchase price for sale to 3rd party
Allows owner to keep business and convert to passive ownership
Maintain value in case of unexpected exit due to death, disability, etc.
Benefits:
401(k) | Simple IRA | Sep IRA
Group Life
Group Disability
Dental
Vision
Financial Wellness
Key Employee Protection:
Key employees drive the viability of your business
Their departure could impact:
Value of the business
Key relationships
Revenue
Succession
Stability
Longevity
Buy-Sell Agreement Funding:
A well written AND adequately funded Buy/Sell Agreement is a requirement for any successful business in order to ensure that all parties receive the full value of the business in the future. With a well written and adequately funded Buy/Sell Agreement, the business can continue if death/disability occur and can be easy to unwind and leverage if death/disability don't occur before Exit.
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Retirement Planning:
Converting your business into cash flow in retirement
Maximizing the value of your life's work
Coordinate with other assets
Mitigating taxes
Estate Planning:
Transfer of assets while alive or at death
Understanding of estate tax liability
Mitigate taxes and maximize assets transferred
Proper titling of assets
Growth of assets inside or outside of the estate
Keep family assets intact
Succession Planning:
Key Employees Retained?
Exit Path Identified?
Double Taxation at Sale Addressed?
Key Person Risks Covered?
Terms at Sale Identified?
Post Income Exit Plan?
Estate Planning Issues?
Business Valuation:
Understanding the value of your business
Coordinate value with personal planning
Informed decision making
Planning & risk management
Facilitating transactions
Estate & succession planning
Compliance & reporting
Coordination of Personal & Business Balance Sheet:
Businesses are often the biggest asset on the personal balance sheet
The business provides cash flow to the personal balance sheet
The business' greatest asset are its people
Protect your people, your business and your balance sheet
