Business Protection Planning
Business Protection Planning helps business owners prepare for the unexpected and plan for long-term success. Whether it’s protecting against the loss of a key employee, planning for an ownership change, or rewarding top performers, we design strategies that help businesses stay stable and competitive through every stage. Our goal is to ensure that your company, your partners, and your employees are financially protected—no matter what happens.
We work closely with owners, leadership teams, accountants, and attorneys to identify risks and design customized solutions.
How We Help
Evaluate current agreements, insurance, and compensation structures
Design plans that protect ownership interests and key talent
Coordinate with attorneys and accountants for proper structure and compliance
Manage implementation, funding, and ongoing plan maintenance
Buy/Sell Agreements
A buy/sell agreement is a legally binding contract that outlines what happens to an owner’s share of the business if they retire, become disabled, or pass away. It ensures the business can continue operating smoothly and that ownership transfers fairly and efficiently.
We help business owners:
Determine the appropriate valuation method for the business
Identify funding strategies—often through life or disability insurance—to make sure funds are available when needed
Coordinate with legal and tax advisors to ensure agreements are properly structured and maintained
Benefit: A clear, funded buy/sell agreement protects all owners, avoids conflicts, and ensures financial continuity during transitions.
Executive Bonus Plans
An executive bonus plan (also called a Section 162 plan) is a way for a business to reward and retain key employees by providing life insurance or other benefits paid for by the company. The business pays the premiums, which are treated as additional compensation to the executive, and the employee owns the policy.
We assist by:
Designing bonus arrangements that fit within company budgets
Evaluating tax implications for both employer and employee
Selecting funding vehicles and managing plan implementation
Benefit: Executive bonus plans are simple to set up, offer immediate value to key talent, and help strengthen loyalty without creating complex plan administration.
Deferred Compensation Plans
A deferred compensation plan allows key employees or executives to set aside a portion of their income to be paid at a future date—typically at retirement. These plans can be structured to align with company goals, retention objectives, and tax strategies.
Our team helps businesses:
Design custom plans to reward long-term performance
Model future payouts and funding strategies
Coordinate with tax and legal professionals to ensure compliance with IRS Section 409A rules
Benefit: Deferred compensation plans give businesses flexibility to retain top talent while providing employees with an additional path to retirement income.