Business Owner Services
Your business is your greatest asset. It may also be your greatest concentration of risk. Most of what you have built sits inside one company, one market, and one set of hands: yours.
That is the tension every owner lives with. The business funds your life today. The question is whether it will also fund your future, protect your family if something happens to you, and keep running if a key person walks out the door.
This section is education. Each page below explains one strategy in plain language: what it is, who it fits, how it works, and what to watch out for. No product comes first. Understanding comes first.
The four strategies in this section
- Cash Balance Plan A retirement plan designed for owners of closely held businesses who want to set aside far more on a pre tax basis than a traditional plan allows, often more than $100,000 per year, while lowering the current tax bill.
- Executive Bonus Plans A way to reward and retain the people your business cannot afford to lose, using life insurance the employee owns.
- Buy Sell Agreements A written plan for what happens to the business when an owner dies, becomes disabled, retires, or wants out, and how the buyout gets funded.
- Key Person Protection Life insurance the business owns on the people whose loss would hurt revenue, operations, or lender confidence.
Who this is for
- Owners of closely held businesses who earn strong income and feel the tax bill grow with it
- Owners who want to reward a small number of key people without offering the same benefit to everyone
- Owners with partners who need a clear, funded plan for the day one of them leaves
- Owners whose business depends heavily on one or two people
How we start
Every engagement starts the same way, with The Wealth Architecture Review. We look at where you stand today, find the gaps, and teach you your options in plain language before any decision is made. If a strategy in this section fits, we will show you how it works for your business, with numbers specific to you, and in coordination with your CPA and attorney.
We also run The Tax Reset, an educational workshop for business owners and associations, on the tax side of owning a business.
Book your complimentary Wealth Architecture Review
Content on this page is for education only and does not constitute financial, tax, or legal advice. Please consult your tax advisor or attorney regarding your specific situation.
