Small Business Owners Solutions

If you are a business owner, you have the added responsibility of your business to worry about on top of your family. The following information can help you start thinking about possible solutions to your needs and help you prepare to consult with us.

Helping Your Business Grow- Don't have a Harvard MBA? You're not alone. Most successful entrepreneurs started out with what seemed like a good idea and ended up running a business of their own. How can you learn to manage the business side of business? Read, study, ask lots of questions, and seek out sound advise from your tax, legal and financial advisors. We can discuss with you how the insurance and financial products that we offer can help you support your business growth plan.

Business Continuation Planning- As a business owner, you are the lifeblood of your organization, the driving force behind its success. Have you considered what will happen to your business when you are ready to retire? Do you have children or other family members ready to continue the family business? Or is there another successor in line who will be able to pick up the reins? Most of all, if you died prematurely or became disabled, will the business you worked so hard to build be able to continue...and will your family be financially provided for? Tough questions, yes, but ones you need to ask.

Retirement/Estate Planning- One of the nice perks of being self-employed or a business owner is that you don't HAVE to retire. You're a doer. You like to make decisions and see results. But maybe someday--perhaps when you're 65, 75 or older--you just might WANT the option to trade the fun and frustration of work for golf, gardening, vacationing with the grandkids or sitting back and relaxing with family and friends. Just as important, you also want to have all your ducks in a row, so to speak, when it comes to making sure your loved ones are well provided for in the future. Neither of these goals just happen. They are the result of decisions you make today. That means retirement planning and estate planning- mapping out a strategy to create options for you and for your family. Fortunately, there are more retirement and estate planning choices available today than ever before for business owners and those self-employed. We are here to help you begin the process of planning. As the old saying goes: Most don't plan to fail, they just fail to plan.

Employee Benefits- Finding quality employees is half the challenge. Keeping them--and keeping them motivated--is the other half. One way to do that is to provide competitive benefits. I know, when many small business owners hear the words "employee benefits," they immediately think, "one more expense I can't afford!" If this sounds like you, you might want to think again. Two reasons: (1) Carefully selected benefits can help reduce costly employee turnover, boost morale and, in turn, help assure your company's stability and productivity. (2) Benefits need not cost you an arm and a leg. For example, a voluntary payroll deduction program lets workers--including you as an owner-employee--acquire valuable benefits at virtually no cost to you.

Let us work together with you to analyze your needs. We can then help you decide what products and services would be right for you and your business.