Business Benefits and Services

BUILDING AND MAINTAINING A SUCCESSFUL BUSINESS

If you are like most business owners, you have worked hard and have made many sacrifices to grow your business. We understand the needs of today’s business owners and the importance of effective business planning. We work with large numbers of companies and their employees to develop successful business plans which provide protection strategies, competitive employee benefits to attract and retain key employees, and employee financial education and guidance. We take the time to listen and learn about the unique needs of you and your enterprise. Regardless of the size of your firm, from just a few to thousands of employees, we have the experience and expertise to help develop a comprehensive strategy that works for your unique circumstances and helps you continue to pursue success. All supported by an exceptional level of service to you and your employees

ASK YOURSELF THESE IMPORTANT QUESTIONS:

• What will happen to my business when I retire?
• Is my business capable of continuing its success in the event of my or my partner’s death or disability?
• Is my family adequately protected if something were to happen to me?
• Have I done everything I can to attract, retain, and reward the key employees who are critical to the success of my business?

PROTECT THE BUSINESS YOU HAVE WORKED SO HARD TO BUILD

It is important to have a long-term strategy to protect the continuity of your business, if you, your business partner or key employees decide to retire or leave, become disabled or too sick to continuing working, or pass away unexpectedly. Undoubtedly, these events would have a significant impact on your situation. Over 1 in 4 of today’s 20-year-olds will become disabled before they retire (Social Security Administration). We can help you plan for the unexpected and ensure that your business remains protected and transfers in the manner that you choose. Here are some common strategies we can help you implement, which are designed to protect your business by insuring the people who have a great impact on your company’s success.

KEY PERSON INSURANCE
QUALIFIED SICK PAY PLAN (QSPP)
INDIVIDUAL DISABILITY INSURANCE
SUPPLEMENTAL DISABILITY INCOME INSURANCE
BUSINESS OVERHEAD EXPENSE (BOE)
SUCCESSION PLANNING
BUY-SELL AGREEMENTS

ATTRACT AND RETAIN KEY EMPLOYEES

In today’s highly competitive executive marketplace, it has become increasingly difficult to attract and retain top talent. Talented employees are looking for a benefits package that will help them protect the financial security of their families and prepare for retirement. Today, employees are looking for benefits above and beyond the standard packages most employers offer and are considering these as well as salary. In addition to a standard benefits package, including medical and dental coverage, disability income insurance, and a retirement plan, we can help you implement any of the following additional benefits plans.

NON-QUALIFIED DEFERRED COMPENSATION PLANS
SPLIT DOLLAR PLANS
EXECUTIVE (SECTION 162) BONUS PLANS
RETIREMENT CONTRIBUTION PROTECTION
PERSONAL FINANCIAL VIEW

EMPLOYEE FINANCIAL EDUCATION AND GUIDANCE

Providing comprehensive financial education is a great way to help ensure your employees get the knowledge and insight they need to make better financial decisions. We have designed an Employee Financial Education series to help your employees better understand what options are available to them. Our goal is to provide your employees with the knowledge needed to make informed financial decisions with confidence and help them achieve financial well-being. Topics are presented in interactive, exciting workshops. All workshops are complimentary and there is absolutely no obligation. Here is a list of some of the topics available:

SETTING FINANCIAL GOALS
PROTECTING YOUR INCOME
BUDGET BUILDING
RETIREMENT PLANNING
TAKING CONTROL OF DEBT
ESTATE PLANNING
INVESTMENT BASICS
SOCIAL SECURITY
COLLEGE PLANNING
CHARITABLE GIVING
LIFE INSURANCE
SPECIAL CARE PLANNING