Business Services

You have a challenge. We have a solution.

BUSINESS CONSULTING SERVICES

Our signature program - is a comprehensive growth consulting and succession planning program for business owners of established small and mid-size businesses, from one-person operations to multi-site enterprises with hundreds of employees.

We use our proven process to assess risks and opportunities for the business owner's overall financial position by bridging the gap between the business and their personal wealth. Our mutual goal is to position you in the best place for a smooth expected (or unexpected) exit, be it 3, 5, or 10+ years from today.

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TAX STRATEGIES

Cash Flow Is Critical For Business Operations

One of the greatest impacts to a company's success is its cash flow. The more positive cash flow it experiences, the more options it has.

The question I get asked the most is, 'How can you help me reduce my tax bill?' There are several different tax categories my partners analyze for business owners:

Business tax structure
Business tax
FICA/Payroll tax
Personal income tax
Tariffs
...more

I invite you to complete this brief quiz to see if you are eligible for any of these programs. Our team is ready to help.

Launch Quiz

INSURANCE for BUSINESS OWNERS

Protect Your Business Partnership

Just like a pre-nup is advised for most marriages, a buy-sell agreement should be considered for business partners. It defines what would happen if one partner got sick, passed away, if there is a dispute or a lawsuit, or if one wants to exit the business or retire before the other(s), or ultimately when the business is sold. It is a legal contract a reputable attorney can draft for you and the most common way of funding it is with life insurance and income protection coverage.

We can provide a complimentary review of your existing buy-sell agreement, help update or establish your business value, and discuss ways to fund this type of agreement.

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Business Owner shaking hands with employee

Retaining and Attracting Top Executive Talent!

It can be a challenge to keep and attract top talent, especially at the executive levels. My team and I specialize in traditional and creative incentive programs to establish and build loyalty from your leadership team and high performing key employees.

How confident are you that your your top performer isn't considering an offer from your competition right now? Let's discuss some retention options.

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Group Benefits for Your Valued Employees

Your employees are the engine that makes your business run. We can help you show your appreciation with quality group benefits including traditional offerings like short and long-term disability, term life insurance, whole life insurance, and supplemental health like critical illness and accident insurance.

We also have access to lesser known, non-traditional group benefits that your employees will value and can distinguish you from your competition. (Minimum of 10 employees)

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women retired on hammock looking up at trees

Custom Design Your Retirement Plan to Maximize Your Tax Saving

Are you self-employed or have less than 100 employees, and you want to keep more money in your pocket? Wish you could contribute $245,000 instead of $24,500 into a retirement account and get a dollar-for-dollar tax deduction?

Perhaps you are preparing to sell your business and want to minimize the income tax and estate tax impact. Our team specializes in unique income-tax reduction strategies.

If your annual net income exceeds $400,000, let's explore how we can help you.

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Need Life Insurance for a Business Loan?

Some bank and SBA loans require that all borrowers show proof of life insurance coverage. The policy must name the lender as a beneficiary for the outstanding loan balance on a SBA loan.

We can help you get a policy issued quickly.

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Life Insurance

There are many reasons why business owners get life insurance. One key reason is protecting their most valuable asset - their loved ones.

While they are alive, they use life insurance to build company and personal assets. They can leverage the cash value for business opportunities and emergencies. They use it for tax benefits.

Once they pass away, the death benefit can be used by loved ones to cover the funeral services and burial costs. It is also used to cover estate taxes, and it provides a vehicle for income-tax free distribution to their loved ones and favorite charities.

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Income Protection
(Disability Income Insurance
& Business Overhead Expense)

If you get sick or hurt to where you have an extended illness, how will you cover your business and personal expenses. Your bills don't stop just because you have to stop.

There is Group Long Term Disability (Group LTD) which typically pays up to 60% of your base W2 pay. Can you afford to live off of 60% of your gross income?

Supplemental LTD helps to close the gap between the income you normally take home and what the Group LTD will provide.

Business Overhead Expense (BOE) can cover company expenses like rent, payroll, loan payments and more, if you have an extended illness that keeps you from working.