Your Biggest Competition Isn’t the Competition
The biggest risks to your business aren’t your competitors.
They’re taxes, turnover, and the loss of key people.
The Costs You Can’t Afford to Ignore
Running a business is already demanding. On top of keeping operations going, you’re expected to handle complex financial decisions that directly affect your bottom line and your team’s loyalty.
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Common challenges include:
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High turnover costs draining profits
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Rising tax burdens with no clear strategy to reduce them
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The risk of losing a key employee or partner
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Confusion about state-mandated retirement plans and compliance
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Relying solely on business equity for your own retirement
Our Solutions
Employee Retention & Retirement Plans
our best people aren’t leaving for a paycheck.
They’re leaving for security.
We help you create competitive, affordable retirement plans such as 401(k), SIMPLE, or innovative insurance-based options that keep your team loyal and reduce turnover.
And unlike traditional plans, we can also provide retirement benefits designed for 1099 employees, helping you support contractors and keep your entire team connected.
Executive Compensation & Bonus Strategies
Bonuses fade. Real incentives build loyalty.
We design executive bonus and retention programs that give your top performers a reason to stay, without giving up ownership.
Owner Retirement & Wealth Protection
If your retirement depends only on your business, you may not have one.
We create strategies that protect your personal financial future with tax-efficient retirement income, living benefits, and flexible planning options.
Key Person Protection
One unexpected absence can undo years of growth.
Key person insurance and succession planning protect your business from the financial shock of losing a critical employee or partner.
Why Work With Us
Most owners don’t have time to sort through regulations and products. That’s where we come in.
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Fiduciary-level investment management where it applies
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Insurance-based strategies to protect income and people
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Plans tailored to fit your budget and long-term goals
You focus on running the business. We make sure the business is working for you.
FAQs
Do I have to offer a 401(k) to my employees?
Not always. Some states require businesses of a certain size to offer a retirement plan, but you have options. A 401(k) is one, but there are also SIMPLE IRAs and even life-insurance-based solutions that can be structured to meet requirements while keeping costs down, sometimes as much as 30-40%
What happens if a key employee leaves unexpectedly?
Without protection in place, the financial impact can be severe: From lost revenue to training costs for a replacement. Key person coverage and succession strategies are designed to keep the business stable even if the unexpected happens.
Can 1099 employees get benefits?
Yes. While traditional 401(k) plans don’t cover independent contractors, we can design retirement and protection strategies for 1099 workers. This helps you support your contractors, strengthen loyalty, and create a more unified team.
Can small businesses really afford these kinds of benefits?
Yes. Many plans are designed to scale with your budget, and certain strategies can actually reduce your tax burden. The right structure can make benefits a smart investment instead of just another expense.
I already have a CPA. Why would I need this too?
Even the best CPAs focus mainly on past numbers and compliance. We focus on forward-looking strategies that reduce future taxes and strengthen both your business and personal financial security. Together, it’s a complete picture.
What does it really cost to lose an employee?
Studies show replacing a single employee can cost 50%–200% of their annual salary when you factor in recruiting, onboarding, and lost productivity. Offering meaningful benefits is often far less expensive than losing and replacing your best people.
Isn’t this just for larger companies?
No. In fact, small businesses often feel the impact of turnover, taxes, and financial shocks more than big corporations. Putting protection in place early can give you a real advantage.