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