Business Owners
Protect Your Business
Focus on your business and protect tomorrow
Buy & Sell
Ensure partnership stability with buy-sell insurance. Protect your joint venture’s future.
Tax Strategies
Keep more of your money with strategic tax planning for business owners.
Corporate Estate Transfer
Secure your business legacy: Transfer corporate assets smoothly and tax-efficiently.
Key Person
Safeguard your business’s future with key person insurance. Protect against critical losses today.
Business Buy-Sells
Solutions Funded by Insurance
In the event of permanent disability, critical illness and death do you want your partner’s spouse as your new business partner? A buy/sell agreement also known as a buyout agreement, is a contract funded by insurance policies that can help minimize the turmoil caused by the sudden departure, disability or death of a business owner or partner.
You have built your business to where it is today. We can help you plan for what happens next. A successful transition of your business is a critical aspect of your financial well-being. We can help you navigate the key decisions to help you achieve your goals.
Succession Planning
Business succession may involve passing your business to the next generation or selling it to a third party. We can help you evaluate all aspects when building a succession strategy, which include:
Navigating the purchase and sale of a business
Accessing the lifetime capital gain exemption
Understanding shareholder agreements
Minimizing the amount of tax you pay
Whatever your route, we offer the experience and expertise to help you reach a decision that is best for all involved.
Key Person Insurance
Key person insurance policies are crucial for businesses to mitigate the risks associated with the loss of a key employee whose knowledge, skills, or leadership are vital to the company’s operations.
Such individuals often hold irreplaceable roles and their sudden absence can lead to significant financial strain, operational disruptions, and loss of confidence among clients and investors. This type of insurance provides a financial cushion, allowing the business time to find a suitable replacement or to implement other strategies to manage the loss without jeopardizing its financial stability or operational continuity.
Immediate Financing Arragement
Our Immediate Financing Arrangement services provide a strategic solution for high net worth individuals looking to leverage their life insurance policies for immediate liquidity.
This approach allows clients to borrow against their life insurance premiums, freeing up capital that can be used for investment opportunities, business expansion, or personal expenditures without liquidating other assets. This technique not only maintains the coverage and benefits of the insurance but also optimizes cash flow, enabling clients to maximize the utility of their assets while preserving wealth for future generations.
Corporate Estate Transfer
Our corporate estate transfer services are designed to facilitate the seamless transition of business assets from one generation to the next, ensuring the continuity and legacy of your enterprise. We specialize in creating customized strategies that minimize tax liabilities and maintain the operational integrity of the business during the transfer process.
By carefully structuring the transfer of corporate shares and assets, we help business owners protect their life’s work and prepare future generations for successful leadership.
Loan Protection
Our loan protection services offer a safeguard for both individuals and businesses against the financial strain that can arise from unforeseen circumstances affecting loan repayment. This service provides insurance coverage designed to take over loan payments in the event of disability, illness, or death, ensuring that debts do not become a burden to you or your heirs.
By incorporating loan protection into your financial plan, you can secure your assets and maintain your financial health, giving you peace of mind knowing that your financial commitments are covered, no matter what happens.
