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Business Planning



Building a business is one of the greatest challenges you'll ever face.  Not only is becoming profitable a challenge, but maintaining consistent growth over time is the true test of success.  The time and money you invest in your business should be protected and rewarded.  Whether you have an established enterprise or you are just starting up, it's never too early, or too late, to begin planning.

Ask yourself these important questions:

  1. Have I done everything I can to attract, retain and reward the key employees that are critical to my business?  Am I able to do so on a tax-favored basis?
  2. What is stopping my employees from going to a competitor or becoming competition themselves?
  3. Is my business capable of continuing its success in the event of my or a key person's death or disability?
  4. Do I have a buy-sell agreement?  How is it funded?  How would any outstanding debts be paid?
  5. Do I have an exit strategy for my business?  Does it avoid double taxation?
  6. How much would I need to generate from the sale of my business to create the cash flow I need for retirement?
  7. When do I plan to sell my business and what are my objectives?  What steps am I taking to maximum my goals at the time of sale? 

Let us help you protect your investment by reviewing or establishing your:

  • Executive Benefit Programs 
  • Employee Benefits
  • Sponsored Retirement Plans
  • Business Valuations
  • Buy-Sell Strategies
  • Exit Planning 
  • Key Person Protection 
  • Retention Planning 
  • Multi Life Disability Income Protection 

Building relationships with clients is what drives us.  We utilize a broad spectrum of risk and investment products to help our clients achieve financial goals for themselves, their families and their business.