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Services for Business Owners

Regardless of a business owner’s company size, many are faced with similar concerns - effectively managing financial strategies and developing retirement planning opportunities that benefit both the employer and employees. I offer a number of services to business owners, including:

401k Retirement Savings Plans

Many small business owners want to offer their employees a retirement plan but aren’t sure where to start. I can help clients determine appropriate 401(k) retirement plans, as well as profit sharing plans; cash balance plans; and Roth, SIMPLE, and SEP IRAs. I can also assist with nonqualified plans, connecting them with the business’ other qualified retirement plans to create the most appropriate comprehensive solutions.

Group Benefits

Providing an employee benefits package that includes quality, affordable healthcare coverage continues to be one of the greatest challenges for today's employers. Many employers aren’t aware of the many affordable employee packages available. I can evaluate the design of different benefits packages to determine an appropriate pricing structure and advice on implementing such options as cafeteria plans that allow for employee cost-sharing through tax deductible contributions.

Succession Planning

A succession plan is a critical element of a business owner’s exit planning strategy. A goal of many business owners is to someday transfer their business interest to either family members or key employees. Succession planning can help businesses in the case of the owner’s death or disability. Small businesses can be susceptible to erosion of capital due to estate taxes and legal fees. I can help clients formalize their succession objectives and future goals and refer them to CPAs and attorneys for further assistance.

Buy and Sell Strategies

All business owners, whether they own or co-own their business, should have a plan in the case of an unexpected death. Buy-sell agreements can help protect a business owner and his or her business from unintended ownership transfers and protect the heirs by offering them the chance to turn shares into cash. I can offer advice on buy-sell agreements and can provide referrals to attorneys who can help determine the right type and draft the agreement.