Who We Help
For Business Owners
Owners and partners whose business and personal financial situations are intertwined, and whose planning needs to address continuation, key-person exposure, and succession.
What we typically help with
Business owners face planning needs that overlap personal and business interests. Common areas where we add value:
- Key-person insurance to protect the business from the loss of essential people.
- Buy-sell agreement funding — life insurance, disability buy-out — coordinated with the partnership or shareholder agreement.
- Business continuation and succession planning, integrated with the owner's estate plan and the business attorney's work.
- Personal protection structures (life, disability, long-term care) that account for the owner's reliance on business income.
- Tax-efficient accumulation strategies that work alongside the business's own retirement plan structures.
How engagements usually start
The first conversation explores:
- Business structure, age, partner situation, and the existing buy-sell or continuation arrangements.
- Existing insurance — personal and business — and where the real exposures are.
- Your CPA, business attorney, and any other advisors we would coordinate with.
- What's prompting the conversation now — a specific event, a strategic review, or a recognition that planning has been deferred.
No commitments are made in a first conversation. The goal is to determine whether a structured engagement makes sense.
Want to discuss your specific situation?
A first conversation is exploratory and at no cost. We'll discuss what you're considering and whether our practice is the right fit.
Schedule a Consultation