Our experience and expertise in working with Businesses with that of our Strategic partners, we can offer you a complete financial solution that encompasses all of your financial needs.
In today's market, the sophisticated client appreciates a holistic solution.
NEW BUSINESS LIFE CYCLE
Business Profile
- Started business within the last 5 years, or contemplating start-up
- Have, or are in need of, credit for the business
- Typically one or two employees and the business owner is a key person
Financial Objectives
- Raise capital for the business
- Set up a financial "safety net" for contingencies
- Establish a business plan
DEVELOPING BUSINESS LIFE CYCLE
Business Profile
- Business is six to ten years old
- Increasing cash and assets, while decreasing debt
- Less profits are going back into the business
- May have other shareholders
Financial Objectives
- Wealth accumulation, protection, diversification in the business
- Minimizing tax
- Retaining key employees and setting up employee benefits
GROWING BUSINESS LIFE CYCLE
Business Profile
- Business is 10 – 15 years old
- Increasing cash and assets, while decreasing debt
- Able to retain earnings for reinvestment into the business
- May have key employees and executives
Financial Objectives
- Retaining executives through executive benefits
- Minimizing tax
- Estate planning
- Financial and retirement planning
- Financing business expansion
MATURE BUSINESS LIFE CYCLE
Business Profile
- Business is at least 15 years old
- Business has more cash and assets, and little or no debt
- Profits do not need to be reinvested in the business
- May have some outside shareholders
- Business owner's children may be involved
Financial Objectives
- Wealth preservation and distribution
- Business transition planning
- Estate equalization
- Tax minimization
- Sources of retirement income
