Business Planning

We work with closely-held businesses that have a host of different planning needs. We help those looking to keep the business within the family for generations to come, as well as those looking at varying timetables and exit strategies. Life insurance can provide efficient funding for buy-sell plans, key person insurance and executive benefits.  Several different approaches can be used to fund a Buy-Sell Agreement and each variation has certain advantages and disadvantages, depending upon the structure of the business as well as the goals and objectives of the business owners. Often times, business planning, retirement planning and estate planning become intertwined. We can develop a strategy for you that works together to address all of these needs.

Buy-Sell Planning

Structure creates the methodology and format of a Buy-Sell Agreement, but it means nothing without the financial funding to make it happen. While there are multiple ways to fund a buy-sell, life insurance can provide immediate funding, for pennies on the dollar, precisely when needed.

Key Person Insurance

In the event of an unexpected death, life insurance can provide the necessary funds to overcome revenue loss or hiring expenses needed to replace a key team member vital to the success of the company.

Executive Benefits

Through proper planning, businesses can reward key personnel and recruit top talent, without breaking the corporate bank account. Insurance tools can play an important role in designing an attractive executive benefits program to incentivize team members.