Wealth, Estate, Investment Management

Business Planning Strategies

Solutions that can help maximize your personal benefits, provide the tools to recruit and retain key employees, protect against the loss of key employees, and create ownership succession strategies.

401(k) and other Retirement Plans – Qualified plans can help owners and long-term employees build financial independence. Some examples are 401(k), pension, profit sharing, SEP, Roth IRAs and Defined Benefit Plans.

  • Defined Benefit Plans
  • Pension
  • Profit Sharing
  • Roth IRAs
  • SEP
  • 401(k)

Executive Compensation Strategies – We design supplemental pension, deferred compensation, executive bonus and other retirement and incentive compensation programs. These programs can motivate key people with financial incentives that enhance job security.

Employee Benefits* – We can help you create the employee benefit package that’s right for your business, including:

  • Cafeteria plans
  • Disability income insurance
  • Employee voluntary plans
  • Group dental
  • Group medical
  • Long term care insurance

Key Person Insurance – The loss of a key employee, due to death, disability or serious illness, can create serious problems for a business. We can help you protect against this loss.

Business Succession Plans – Our succession strategies can be catered to your wealth transfer objectives. We can provide life 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. For family business owners, we identify alternative strategies to equalize assets among all children – whether they’re active or inactive in the family business.

*some coverage available through unaffiliated insurance carriers