Concrete

BUSINESS PLANNING

“People start businesses because they want to build on an idea & enjoy the accomplishments & profits that may come along the way, I'm guessing being really good at buying insurance was not on the top of the list. Nonetheless, buying the right insurance coverage is an extremely important task, and no business owner wants to learn the hard way that he or she has been doing it wrong. Here we help owners make smart, educated decisions and nurture their business growth.”

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HELPING YOUR BUSINESS GROW

You may fancy yourself a titan in your field of expertise, still if you feel that's not all that is needed to be successful, you're not alone. Most successful entrepreneurs started out with what seemed like a good idea and ended up running a business of their own. How can you learn to manage the business side of business? Read, study, ask lots of questions, and seek out sound advice from your tax, legal and financial advisors. You can also turn to us to discuss how the insurance and financial solutions that we offer can help you support your business growth plan.

BUSINESS CONTINUATION PLANNING

As a small-business owner, you’re responsible for two families: the one you have at home, and the one you have through work. No matter what your business, a well-conceived business continuation plan is essential. What if you prematurely die or become disabled? Have you considered what will happen to your business when you are ready to retire? Will the business you worked so hard to build be able to continue...and will your family be financially provided for? Tough questions, yes, but ones you need to ask.

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RETIREMENT PLANNING

One of the great perks of being self-employed or a business owner is that you don't HAVE to retire. You're a doer. You like to make decisions and see results. But maybe someday -- perhaps when you're 65, 75 or older - you just might WANT the option to trade the fun and frustration of work for golf, vacationing with the grandkids or sitting back and relaxing with family and friends. That means retirement planning and estate planning – mapping out a strategy to create options for you and for your family. Fortunately, there are more retirement and estate planning choices available today than ever before for business owners and those self-employed. We are here to help you begin the process of planning. As the old saying goes: “People don’t plan to fail…they fail to plan”. 

LIFE INSURANCE FOR RISK MANAGEMENT

As a business owner, you live with risk. That's the nature of business. You take on risk when you borrow money to expand, launch a new product or service, hire a new employee, extend credit to a customer. There are dozens of risks in business...and few guarantees. Successful business owners, therefore, work to minimize risk, so they can focus on meeting their objectives. Life insurance is a risk management tool. For instance, if your company invested in new facilities or new vehicles, you would insure their value against the danger of theft, fire and accident. In the same way, life insurance can ensure the business can continue by protecting the value of key employees to your business, it can reduce the risk that a loan might default if something happened to you, a partner or key revenue earners. You most of all, reduce the risk that your business and your family would suffer financially if you did not live to see your long-term plans completed.

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