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Business Owners

Building a successful business takes a great deal of resources. With your time and energy focused on the daily demand of running your business, you may not be aware of important financial planning issues that should be addressed to help ensure long-term business success.

Whether you are confused about selecting the best retirement plan, concerned about passing the business along to the next generation, or losing sleep over retaining key-employees; it all starts with a financial plan.

We can clarify and prioritize your concerns. Then, design a plan to help you protect and grow your assets.  

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Products & Services

Risk Management

It's crucial to protect what you've built and you can't predict what the future holds no matter how good your plan is. We will discuss life, disability, and long-term care insurance to protect you from whatever may happen in life.

Investment Planning

Your investments are a vehicle to accomplish your goals. We offer access to investment approaches that address varying market conditions and help investors stick to their plan. Whether it is a short-term or long-term goal, we will build a portfolio to meet your objectives.

Retirement Planning

If you're like most business owners, you tend to put all your money back into the business. But relying on your business to be your sole source of retirement income is like putting all your eggs in one basket. So it is especially important to have a retirement plan in place that is not solely dependent on your business. Choosing the proper plan (401k, SEP, SIMPLE IRA, Profit Sharing, etc) will be discussed.

Estate Planning

Most people think estate planning is only for the very wealthy. But, it's especially important for business owners, since a significant portion of your estate - your family's source of income after your death - is tied to the business. Your death could result in tax liabilities, estate settlement cost and other business debts, which can lead to negative cash flow or even insolvency. Proper planning can help protect your business and legacy from the cash shortages that may results from your unexpected death.

Succession Planning

Business succession planning helps ensure that your business can continue if unexpected incidents like the loss of a partner, divorce, death or disability occur. Any of these events can quickly ruin your future business plans. Succession planning is especially important if you plan to pass on your family business and help ensure that you're not one of the family business that don't survive to the second or third generation.

Key Employee Planning

A key employee is someone you rely on, whose skills and business knowledge may be hard to replace. often, daily operations as well as the future of your business can depend on these key employees. It's important to protect your business with incentives that encourage your best employees to stay long-term, allowing you more freedom to focus on business growth.