As a Certified Retirement Counselor, a CRC®, we have additional training to help your business prepare you and your employees for retirement and we work with your payroll and accountants to get the plans implemented.

There are many questions you may ask to determine which retirement plan works best for your business?

  • How can a employee retirement plan help my business?
  • You don't have any employees, what plans can you have for your business?
  • Do you have employees?
  • Do you have a high turn over of employees?
  • How many employees do you have?
  • Do you want to allow your employees to contribute?
  • Do you want to match?
  • Do you just want to contribute for them?
  • What is the best way to max out your contributions?
  • What are your costs for the plan?
  • How can you reduce your costs?
  • What are safe harbor plans?
  • Which plan is best a Solo 401k, a 401k, a Simple IRA, a Sep IRA?
  • Does my company qualify for a 403B?
  • What are Profit Sharing Plans, ESOP, Cash Purchase Plans?
  • What are the benefits and down sides of each plan?


As a business owner, have you thought of some of the additional risks you may face?

  • Business Liability & Taxation risks - How is your business structured and would it be better to be a:
    • Sole Proprietor
    • LLC only or combined with one of the others
    • S-Corp
    • C-Corp
    • We work with your Accountants, Lawyers and Business Property & Casualty Professionals to help you with these decisions.
  • Succession planning:
    • Do you have a partner?
    • If something happens to either of you, do you have a Buy-Sell Agreement or do you want to be in business with your partners wife or possibly one of their kids?
    • Do you have a way to fund the Buy-Sell Agreement or are you just relying on the other partner to have saved the funds?
    • Do you have disability insurance on you and your partner?
    • Do you have Key-Man Insurance to help for temporary replacement of your partner or yourself before you would have to sell the business or find a new partner?

      (Each partner plays a different role in the business. You may not be the one who brings in the business and he or she may not know the day to day workings or vice versa. Make sure you can hire someone until things are worked out without having to strain the profits!)
    • Do you know how much your business is worth?
  • How could a Partner's Divorce affect your business?


We know these questions can be overwhelming, but you are not alone. We are here to help you through the process.

We invite you to take advantage of our complimentary financial consultation, where you can get answers regarding your finances and information on how to get started on your financial journey.


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