Business Owners :

Business Owners

Business Owners

Before you can become a millionaire, you must learn to think like one.
You must learn how to motivate yourself to counter fear with courage.
Making critical decisions about your career, business, investments and other resources
conjures up fear, fear that is part of the process of becoming a financial success.


As small business owners ourselves on Cape Cod, we understand the challenges, obstacles, and exposures a small business owner can face. We assist our business owner clients in the areas of:

Retirement Strategies

We will meet with the business owner(s) to discuss the company structure, size, demographic, savings goals, objectives, and concerns before helping them sort out which type of retirement plan would best suit their company.

We often help establish SIMPLE IRA's, 401(k)'s, SEP IRA's, pensions, etc.

Funding Buy Sell Agreements

A buy and sell agreement is a legally binding contract that stipulates how a partner's share of a business may be reassigned if that partner dies or otherwise leaves the business. Most often, the buy and sell agreement stipulates that the available share be sold to the remaining partners or to the partnership. New York Life's Advanced Planning group can assist your business in determining how to value your business and determine which type of agreement would be best for your company and the families involved.

Employee Benefits

Selecting the right benefit package is becoming increasingly important in retaining the best employees and keeping them productive. Our agents strive to know and understand your complete financial situation and provide you with the highest quality of information, products, and services to help you reach your goals. Our clients rest assured knowing that they always have their interests at heart.

Focusing on your objectives, budget and culture, they work with you to custom design funding options for your group benefits, qualified retirement plans, and voluntary benefits plans to address your employees’ unique needs.

Key Person Insurance

Key person life insurance offers a death benefit that helps indemnifies an employer for the loss of one of its most important assets - the key person. This can help assure continuity of the business for employees, customers and creditors, and protects against losses in sales, momentum, and credit. It can also be used to assist with recruiting and developing a replacement for the employee.

Succession Planning

Succession planning allows owners to leave their business on their own timeframe while preparing their company to be transferred to family members, key employees, an outside party, or even a charity. This must be done in a way that achieves personal financial security, maintains harmony, and achieves maximum value for the business.

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