Corporate Strategies
Each business is a function of various components, but most have a common thread; How do you continue to grow your business and help ensure employee retention while limiting the inherent risks associated with your operational structure?
Employer Sponsored Benefit Arrangements
Health Benefits
Dental Benefits
Life Insurance Benefits
Disability Benefits
Vision Benefits
Retirement Benefits (401(k), 403(b), SEP IRA, Simple IRA, etc.)
Health Savings Accounts (HSA)
Business Succession Arrangements
Corporate Cross Purchase Buy-Sell Arrangements
This type of arrangement is an “owner-to-owner” agreement where the surviving owner(s) agree to buy the deceased owner’s interest. When funded with life insurance, this arrangement helps ensure cash is available to help with the buyout.
Stock Redemption Buy-Sell Arrangements
A contract agreed to by the corporation and shareholders that requires the corporation to purchase the interest of a shareholder under specified terms and conditions. When funded by life insurance, it helps ensure that cash value will be available to help with the buyout. >>Learn More
Generational Transition of Business >>Learn More
Executive Bonus Arrangements
This type of arrangement is a way for you to provide needed life insurance to a key employee and receive an income tax deduction for doing so. This plan can be structured in a restricted way, providing an endorsement that limits the employees access to cash values in the plan. This arrangement works as a golden handcuffs, providing a retention tool for the employer. >>Learn More
Tax Deductible to Employer? Yes
Subject to ERISA? No
Contribution Limits? None
Cash Values Taxable? No, if withdrawn as a loan
Held by Participant or Company? Either
Do I have to offer it to everyone? No