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Business Advisory

The smartest move you can make is to simply start planning. The following information helps clarify the various solutions available as part of an overall goal-based plan for your small business. The decisions you make today can help improve the future of your business, your family and your retirement.

Wealth Accumulation

You are bound to encounter some challenges in this phase which can interfere and erode the income you need to build up your wealth. Some of the challenges you might face include:

  • Debt
  • Increase in taxes
  • Low-income flow
  • Inflation
  • Fluctuations in the market
  • Lawsuits
  • Charges and fees
  • High loan interests
  • Income taxes
  • And many more

Succession Planning- Ensuring Business Continuation

A comfortable retirement depends on the successful transition of your business. Different succession strategies may include pros and cons:

  • Is It too risky to assume the proceeds from the sale of your business can fully fund your retirement?
  • Do you have the proper agreements in place to pass the business to a family member, partner, or key employee?
  • How will you find the right buyer and know you received a fair price?

Before making any important decisions, it’s critical to know the market value of your business, including your current and projected revenue and your assets. Working with an adviser to determine what your business is worth today will support your succession planning goals in the future

Risk Management - Protecting Your Business & Family Against Risk

As a small business owner, the success of your business supports your family, your employees and their families. But what if something happens to you?

  • Can your business run without you?
  • Would your best customers stay if you were no longer in charge?
  • Is your family protected no matter what happens?

And what about threats like natural disasters, security breaches and identity theft? Properly managing risk can help ensure that your business will continue to provide for the people that rely on it.

Key Employee Benefits - Attracting, Retaining, & Rewarding Key Employees

Your key employees are valuable assets that help keep your business running. Losing even one can be costly and trigger a ripple effect, including:

  • Lost productivity and knowledge
  • Unsettled coworker
  • The expense of replacing and training a new employee

Losing a key employee to a competitor can be even more damaging.  Rewarding key employees with long-term incentives gives them both validation and financial security that may result in higher retention rates.

Client Centered

It is also important to have a strong employee benefits package.  We evaluate the design of different group benefit options to achieve the optimal structure and the best fit for the company. We also have partnerships with Third Party Administrators, to help with the administration of the plan and to ensure that your employees are getting the highest level of service.

Services Include:

  • Group Health, Vision, Dental, and Long-term disability insurance
  • Employer retirement plans – 401(k), 403(b), SIMPLE, SEP, Profit Sharing, Pension & Deferred Compensation, and others.