You built the business. We help you protect it, reward the people who make it run, and plan for the day you step away, at every stage of the business life cycle, starting with your personal values and goals.
WHO THIS IS FOR
Our business clients run HVAC and contracting companies, dental and medical practices, agencies, franchises, real-estate firms, and technology startups. Some have twelve employees and one manager they cannot afford to lose. Some have a co-founder and a handshake where a buy-sell agreement should be. Nearly all of them have most of their net worth tied up in a single asset, the company, and no one has ever shown them how to turn that into personal wealth without starving the business.
We work on the questions that keep owners up at night: how to reward and keep the people who make it run, how to fund the transfer of ownership if something happens to a partner, how to build retirement plans that benefit you and your team, and how to plan an exit, five years out or fifteen, so that the day you step away is a decision rather than an emergency. For founders holding concentrated equity or looking at a liquidity event, we plan for the day the wire hits before it does.
Here is how that work breaks down.
Your key people are your greatest asset. Well-designed executive benefit packages can help you attract, motivate, and retain top talent and keep the company healthy and stable. We can help with non-qualified plans, supplemental executive retirement plans, split-dollar arrangements, and more.
A succession plan lets you exit on your own timeline while preparing the company to pass to family, key employees, an outside buyer, or a charity, in a way that protects your financial security, preserves harmony, and captures the value you've built. We provide the financial strategies to fund it.
Key person life insurance provides a death benefit that helps indemnify the business for the loss of an essential team member. It supports continuity for employees, customers, and creditors, helps offset lost sales and momentum, and can fund the search for and development of a replacement.
A buy-sell agreement is a legally binding arrangement between co-owners that governs what happens to ownership when a partner dies, becomes disabled, or leaves the business. Funding it with life insurance helps ensure the money is there the moment the agreement is triggered.
Deferred compensation lets an employee set aside part of their pay to be invested and distributed at a predetermined point in the future. It's a flexible way to reward and retain key employees, and we can help you design and fund it.
Protect what you’ve built, reward the people who help you build it, and plan the exit on your terms.