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Business Owners

Your business and personal needs are intertwined. That is why an integrated approach – through which your needs are evaluated, prioritized and addressed as your business evolves – is essential.

Startup

  • Offer group benefits to attract and retain employees

Growth

  • Offer a qualified retirement plan for all employees
  • Enhance your program with additional benefits to attract and retain select kep employees

Maturity

  • Regularly review and update your programs to ensure competitiveness in attracting and retaining employees at all skill levels

Transfer

  • Share your programs with the new owner
  • New owner continues and adapts the programs to meet business needs

Startup

  • Protect yourself and your ability to do business

Growth

  • Regularly review and update your plan and coverage to ensure business continuity
  • Share your continuity plan with your select key employees and your bank to foster retention and access to loans and lines of credit

Maturity

  • Regularly review and update your plan and coverage to ensure business continuity

Transfer

  • Share your plan and coverage with the new owner
  • New owner continues and adapts the plan and coverage to meet business needs

Startup

  • Build and grow your business while keeping continuation and succession in mind

Growth

  • Set your objectives
  • Calculate your businesses value
  • Choose the new owner
  • Implement and fund your written buy sell agreement for retirement, disability and death
  • Share your strategy with your select key employees and your bank to foster retention and access to loans and lines of credit

Maturity

  • Regularly review and update your strategy and funding to ensure the orderly transfer of your business
  • Because estate taxes can be your largest liability, determine your liquidity needs
  • Enhance your strategy to preserve your estates value and efficiently transfer wealth to your family and heirs
  • Execute your strategy

Transfer

  • Execute your strategy
  • New owner creates and maintains his or her strategy and funding

Startup

  • Protect yourself, your family and your assets
  • Create or continue to refine your estate and retirement savings plans

Growth

  • Regularly review and update your plans and coverage to ensure that you and your family are financially secure

Maturity

  • Regularly review and update your plans and coverage to ensure that you and your family are financially secure

Transfer

  • Enjoy the rewards of your hard work while ensuring your estate and retirement income plans continue to provide for you, your family and heirs