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"By failing to prepare you are preparing to fail."  - Benjamin Franklin


Many entrepreneurs spend years of focused effort building up a business, but then fail to consider how to make the transition to retirement. We can assist in creating an effective and efficient business succession strategy.

For family businesses, a formal management succession strategy can help ensure a business stays in the family over generations. Depending on the level of involvement of family members, alternative bequests can help make decisions with those who do, and those who not, want to continue being involved in the family business.



A buy-sell agreement is a legally binding agreement that establishes when, to whom, and at what price you can sell your interest in a business. Buy-sell agreements are also known as business continuation agreements and buyout agreements.

A well-crafted buy-sell agreement creates a market for your business interest, establishes its price, and provides cash to complete the business purchase. The ability to fix the purchase price as the taxable value of your business makes a buy-sell agreement especially useful in estate planning. That’s because if death is the triggering event, it can help reduce the estate tax burden on your heirs.

Additionally, because funding for a buy-sell agreement is typically arranged when the agreement is executed, you’re able to ensure that funds will be available when needed, providing your estate with liquidity that may be needed for expenses and taxes.



Successful businesses are built with teamwork, but every team needs a leader. In your business, that leader might be you, a partner or another employee whose contributions drive development and growth. With any of those key people out of the equation, your business could be radically changed and even put it in jeopardy. Preventing that kind of disruption must be a part of your long-term strategy. Key person planning is crucial to keeping your business running smoothly. 

Key person life insurance offers a death benefit that indemnifies an employer for the loss of one of its most important assets - the key person. This can help assure continuity of the business for employees, customers and creditors, and protects against losses in sales, momentum, and credit. It can also be used to recruit and develop a replacement for the deceased employee.



The successes of most businesses are tied to the talent, passion and work ethics of their key executives. We can help you design supplemental pension, deferred compensation, executive bonus, and other retirement and incentive compensation programs.  These Executive Benefit packages will help you attract, motivate, and retain high-caliber employees and keep your company healthy and stable.