For many entrepreneurs, their business represents their largest asset — and often, their retirement plan. But depending solely on your business to fund retirement can be risky. Market downturns, timing issues, or the loss of key clients can all affect your business’s value.

We help you diversify your retirement strategy beyond your company’s success by exploring qualified and non-qualified plans, such as:

• 401(k) and SEP IRAs for small businesses

• Defined benefit plans for high-income earners

• Nonqualified deferred compensation plans for flexibility
  
  

Our advisors create a retirement roadmap that protects your lifestyle and ensures a smooth transition into the next phase of your life.

What happens to your business when a partner or key stakeholder passes away? Without a plan, families may inherit ownership without the means or desire to continue running the company — potentially causing disruptions or disputes.

A solid business succession plan ensures:

• Fair compensation to family members of deceased partners

• Smooth ownership transfer

• Continuity of business operations

Our team helps you create legal and financial structures — including buy-sell agreements and life insurance funding — that protect both your legacy and your loved ones.

Every thriving business depends on key people. The unexpected loss of a top performer or executive can cause significant financial strain. We help safeguard your company’s stability through Key Person Insurance — a strategic life insurance plan designed to offset potential financial losses

Benefits include:

• Coverage for recruitment and training costs

• Compensation for lost revenue

• Peace of mind knowing your business can recover from unexpected events

Protecting your most valuable human assets ensures your company’s long-term success.

Attracting and retaining top talent is essential to scaling your business. A well-structured executive compensation plan provides the motivation and security key employees need to stay and perform at their best.

We design tailored incentive programs, such as:

• Nonqualified Deferred Compensation Plans

• Executive Bonus Plans

• Split-Dollar Life Insurance Plans

These strategies reward loyalty, reduce turnover, and align your team’s success with your company’s goals.