Planning Resources

BUSINESS INSURANCE

The companies we represent are the most competitive in the marketplace.  We will aggressively market your business insurance and provide you with the best possible coverage at the lowest possible cost. At no cost we will perform a complete study of your insurance portfolio, coverages and premiums.  We will then market your account to the many companies we represent and provide you with a competitive proposal that secures your business with the same coverages at the same or a lower premium.  We have often been able to save our clients up to 21% on their premiums.     

ESTATE & BUSINESS PLANNING

Most business owners are concerned about income and estate taxes and want their businesses to work as hard for them as they do for their businesses.  As a business owner, you pay corporate and personal income taxes all your life and then when you die, you could pay up to 50% of your wealth in estate taxes. We will guide you in creating a plan for the successful continuation of your business from one generation to the next, show you how to minimize, and possibly eliminate, paying costly estate taxes at death.  At no cost we will perform a comprehensive, sophisticated analysis of your current estate and business plan and a list of recommendations will be provided to you.  Or, if you don’t have a plan, we will design one for you that will meet or exceed all your goals, hopes and dreams that you have for yourself and your family.  As stated, an initial consultation is offered at no cost or obligation. 

EXECUTIVE COMPENSATION

We create state of the art compensation plans for business owners and their key people; leveraging business dollars to save taxes while providing life, disability and retirement benefits.  We excel in helping business owners keep more of their hard-earned dollars. Discover and learn what other business owners are doing to maximize their profits and provide themselves with additional benefits and tax savings.  

EMPLOYEE BENEFIT PLANS & GROUP HEALTH INSURANCE

Small Businesses are in crises across the nation because of the Affordable Health Care Act.  We offer many options to the rising cost and complication of providing health insurance for the business owner and his employees.  In addition, group life, dental, disability plans have changed with new approaches to reducing costs.  A complete analysis and comparison of your current employee benefit and group insurance, health, life and/or disability plans, will be provided to the many markets we offer, several of which have new and dynamic programs to help employers lower costs.  Also, we will show you how to make your employees understand and better appreciate the benefits being provided to them by you, their employer.

RETIREMENT PROGRAMS & PLANNING

New and exciting changes have occurred in the area of corporate pension, profit sharing & 401k Plans and IRAs.  Which makes the most sense for you?  We'll help you decide by a comparative analysis.  If you have a plan, are you sure it is doing all it can to provide you with the maximum benefits and tax savings?  Our resources in the area of pension, profit sharing and the host of other retirement plans available and permissible under the IRS code are second to none.  We’ll do an in-depth analysis or your current plan and show you how it can be improved or help you design a plan that achieves the specific goals you have for yourself, your family and your business.

OUR PLEDGE

We will provide you with service and expertise unmatched in our profession.  You will NOT be disappointed. We do all the work.  We have the expertise.  Put our powerful resources to work for you.