Business Planning Services

Protect your Business

Buy-sell and business transfer strategies for closely held companies

Do you have a plan in place today? A formal agreement established by and between business owners, family members, key employees or other third parties helps keep your business going due to a death, disability or the retirement of an owner. We can help you with funding the agreement. Life and disability buy-out insurance can help reduce the financial strain on remaining owners.

Key employee benefits

Recruit, reward, retain and retire the key employees whose performance most affects the success of your organization. Key employee benefits can help you help them. These plans can provide additional benefits and/or help them make up for benefits lost due to government restrictions placed on qualified retirement plans. The result? More engaged and loyal employees and a great recruiting tool too.

Key person protection

Protect the integrity, cash flow and ongoing success of your business from the loss of a key employee due to death, disability or termination of employment. Key person insurance helps the business overcome additional expenses associated with recruiting and training a replacement


Protect your Employees

Qualified retirement plans

  • 401(k)
  • Defined Benefit Plans
  • Employee Stock Ownership Plans

Group Benefits

  • Life Insurance
  • Disability Income Insurance
  • Health Insurance

Key Employee retirement benefits

  • Bonus plans
  • Deferred Compensation Plans


Protect your Lifestyle

Business owner strategies

Have you ever had your business valued?  We offer a complimentary, personalized business owner retirement analysis that looks at the value of your business, your personal savings and any transition plans you have in place. Any gaps or problems identified come with recommended solutions.

Protecting your income

Disability insurance protects your income against life's uncertainties so you can avoid dipping into savings or retirement assets when you're not working. Individual disability income insurance can help replace a portion of your income lost due to a prolonged illness or injury.

Help for protecting yourself and your family

Choose from many types of life insurance to fit your specific needs and budget. Certain types of policies not only provide a benefit at death, but also while you are living. You'll receive benefits like access to cash values and even the death benefit if you are diagnosed with a chronic illness. With the right plan, you can feel comfortable that your family/heirs are able to maintain their standard of living before and after a death or serious illness.

Legacy and estate planning

A proper plan helps ensure assets – both personal and business – meet lifetime objectives and will be distributed the way you want. We can work with you and your other advisors to provide input on drafting a plan or assist in reviewing an existing plan.


Disability insurance has limitations and exclusions. For costs and coverage details, contact us.

In exchange for the death benefit, life insurance products charge fees such as mortality and expense risk charges and surrender fees.