For Business Owners with Employees

Close your coverage gaps, write off your team's benefits, and find out when you can actually retire.

Not sure whether you're adequately protected, what benefits you could consider for your team, or how to prepare for your retirement goals? Let's start with a complimentary conversation about what's important to you and the options available.

There's no cost or obligation to get started.

Almost every owner finds at least one thing they didn't know was there.

What One Call Found

Business owner. 42.* Twelve employees. No benefits at all.

*The experience of the people described in this material may not be representative of the experiences of other clients. Experiences obtained by these people are not indicative of the future experiences that may be obtained by my clients.

What he assumed benefits would cost him.
What they actually cost.
What he could write off.
What his team got
"He thought employee benefits were only practical for large corporations. After exploring the available options, he learned that certain benefit strategies may offer tax advantages to a business, depending on its circumstances."
The process

Here's what actually happens.

Small business owner reviewing information on a tablet.
1

Book your discovery call

Pick a time that works.

  • Completely complimentary.

  • Easy scheduling through Calendly.

Book here
Financial professional meeting with clients to discuss investment strategies.
2

We go through what you already have

I start with three questions:

  • When do you want to stop working?

  • How much do you need every month?

  • How long does it need to last?

Then we look at what you've got. Your coverage, your team's benefits, your retirement accounts, and the business itself.

Couple reviewing financial documents at home while using an annuity tax advantages calculator to explore potential tax savings.
3

A personalized discussion

We'll discuss areas that may be important to your financial goals, including:

  • Investments and retirement

  • Debt

  • Insurance and protection

Based on your individual circumstances, I can help you identify considerations and discuss insurance and investment options that may be appropriate for your needs and goals. We can also determine when it may be helpful to reconnect as your needs and circumstances change.

My Clients

*The experience of the people described in this material may not be representative of the experiences of other clients. Experiences obtained by these people are not indicative of the future experiences that may be obtained by my clients

Business owner. Three kids. Looking at her protection needs.

A business owner with three children came to me to discuss life insurance. Her disability benefits provided approximately $5,000 per month before taxes. As we reviewed her existing coverage and financial circumstances, we identified a potential gap between those benefits and the income her family could need.

We discussed insurance options designed around that potential gap, including approximately $1 million of term life insurance and $5,000 of additional long-term disability insurance.

$5,000/mo

additional disability benefit before taxes

$1 Million

term insurance based on her family's needs

BUSINESS OWNER. 54. $40,000 IN HIS 401(K). SIGNIFICANT BUSINESS EQUITY.

A 54-year-old business owner came to me concerned about retirement. He had approximately $40,000 in his 401(k), but much of his net worth was tied to the company he had spent years building.

Rather than looking only at his retirement account, our conversations focused on understanding his broader financial picture, including his business interests, other assets, retirement goals, and the potential role each could play in his future.

Because the future value and liquidity of a privately held business are uncertain, we discussed the importance of planning around multiple potential outcomes.

$40,000

in his 401(k)

$1.5M

estimated current business equity considered as part of his broader financial picture

MARRIED. 62. THINKING ABOUT THEIR RETIREMENT TIMELINE.

A married couple, both 62, came to me with questions about retirement. They had approximately $160,000 in an old 401(k), a pension providing about $1,000 per month, and expected Social Security benefits.

They believed they might need to continue working until age 75.

We reviewed their existing resources and discussed their retirement goals, including when they would like to stop working, the income they hoped to have in retirement, and how their pension, Social Security and retirement assets could fit into the overall picture.

The conversation gave them a clearer understanding of the resources and planning considerations involved in evaluating their retirement timeline.

67

their retirement goal

$160,000

old 401(k) included in the discussion

the free guide

10 Benefits FAQs Business Owners With Employees Have

Most owners are asking at least 3 of them right now. Download the free FAQs checklist, see which ones apply to you, and get your common questions answered.

Your business, your family, and your retirement. One call.

Most owners find at least one thing they didn't know was there. The call is free, no obligation.