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Failure to Plan is Planning to Fail

Your Business Has Been Your Life's Work
And chances are you'd like to perpetuate its success long after you retire or die.  Business succession can be a huge challenge to current owners who will have to plan for family, estate and tax issues as well as future management and ownership concerns. Statistics show that just 30% of family businesses survive into the second generation and less than 15% survive into the third generation. We focus on helping business owners in the area of business succession planning.

Protect Your Business and Your Financial Future
Strategies for ensuring the success and continuation of a small business are unique. Financial stability can be dependent on the owner's abilities to be actively at work.  An unexpected disability or death of an owner can threaten the the future of the whole organization. 

Work With Trusted Financial Services Professional
Working with an advisor that you trust will improve the odds for the success of your business.  For our clients, we complete a comprehensive evaluation of each unique situation and recommend tools and strategies that will protect their financial futures and that of their business, as well.

What Tools Might Be Recommended?
Disability Income Replacement Insurance can be purchased to meet income needs in the event of a disability or to help meet overhead expenses in the event of a disability of an owner or key employees. Some disability policies even provide for the continuation of contributions to a retirement fund or to provide necessary cash to fund business disability buyout agreements.

Life Insurance can be used to protect other owners or heirs that have an interest in the future of a business. For example, upon the death of one owner whose surviving spouse needs to liquidate their interest in the business, adequate life insurance would solve the needs of all concerned. Life insurance can also be used to offset estate tax liabilities, provide liquidity for business continuation needs and to fund supplemental retirement plans.

Employee Benefits - successful business owners know that their operation is only as good as its people. These same owners use quality, comprehensive benefits packages to attract and retain the best managers and employees. A benefits package may consist of any combination of health insurance, short term disability, long term disability, or dental insurance.  In recent years, employers are even offering group long-term care insurance coverage to their employees as an additional way to attract superior job applicants. 

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Quote Request Form for Employee Benefits Plans.