Our work focuses on addressing client’s concerns at every stage of the business life cycle.
We make it a priority to understand your personal values, objectives and financial goals and
then work to create and execute customized strategies to meet those objectives. Some of our
key services include:
Executive Benefits
The success of most businesses is tied into the talent, passion and work ethics of
their key executives. Executive benefit packages can help you attract, motivate, and
retain high-caliber employees and keep your company healthy and stable. We can help you
with funding non-qualified plans, supplemental employee retirement plans, split dollar
plans, and more.
Succession Planning
Succession planning allows owners to leave their business on their own timeframe while
preparing their company to be transferred to family members, key employees, an outside
party, or even a charity. This must be done in a way that achieves personal financial
security, maintains harmony, and achieves maximum value for the business.
Key Person
Insurance
Key person life insurance offers a death benefit that helps indemnify an employer for
the loss of one of its most important assets - the key person. This can help assure
continuity of the business for employees, customers and creditors, and protects against
losses in sales, momentum, and credit. It can also be used to assist with recruiting and
developing a replacement for the employee.
Funding Buy-Sell Agreements
A buy–sell agreement is a legally binding agreement between co-owners of a business
that governs the situation if a co-owner dies or leaves the business, whether by force
or by choice. A funded cross-purchase buy-sell plan utilizes life insurance to help
ensure that the arrangement is properly funded so that there will be money if the event
occurs.
Funding Deferred Compensation
Deferred compensation is a written agreement between an employer and an employee where
the employee chooses to have part of his or her compensation withheld by the company,
invested on their behalf, and distributed back to them at a pre-determined point in the
future. Deferred compensation can be used as a flexible way to attract and incentivize
key employees.
