Attract & Retain Employees

Optimize Highly Compensated Owners' Benefits

HEALTH INSURANCE - SMALL BUSINESS

Please call for quoting and information regarding current status of SHOP enrollment and tax credit.

BENEFIT PLANS

  • Group Employee Life
  • Group Employee Disability
  • Insurance Based Retirement Plans - 401k, Cash Balance (Defined Benefit), etc.

Please refer to our Affiliate page if you are interested in securities based retirement plan services from a registered investment adviser.

BUSINESS PLANNING SERVICES

  • Business Owner Continuation - Buy/Sell Agreements
  • Key Employee(s) - Section 162 Executive Bonus Plan

Generally, these are life insurance plans funded by employer's bonus payments (as a business expense and may be grossed up for employee's taxes). They provide insured employee with access to policy cash value with or without vesting and death protection for the employee's family. These plans are relatively easy to implement and administer and are usually less subject to tax rules and ERISA regulations than other non-qualified deferred compensation plans. With access to many intermediary carrier partners, we bring a consultative approach to benefits you might not have realized you had access to.