Investment & Insurance Products

EXPANDED MEMBER SERVICES - STRATEGIES FOR THE BUSINESS OWNER

Qualified Retirement and Pension Plans (401k) | Executive Compensation | Key Person Insurance |
Strategies for Family Owned Business | Group Health, Life, and Disability Insurance

Business Owners have many different financial needs, both as a business owner and as an employer. You are looking to reduce your tax burden, have a tax advantaged way of saving for retirement, provide health and life insurance for yourself, and providing an equitable benefits plan to retain your valuable employees. We can assist you in putting together a full benefits for your employees and assist you with many different strategies to help reduce your tax liability, protect your business, and help you build net worth. Contact Johnnie Harrell for assistance with all of your investment and insurance Needs. Some of the options available are summarized below:

Qualified Retirement and Pension Plans (401k)

Qualified retirement plans are among the last legitimate and effective tax shelters left in America, and the SEP and SIMPLE Plans have emerged as plans of choice for small businesses. All qualified plans offer three significant tax benefits: a tax deduction to the employer for contributions, tax-deferred compounding, and the possibility of lower taxation at the time of distribution. Let us help you design a Quality retirement plan based upon you strategic business goals.

Executive Compensation

Traditional retirement plans typically favor lower-paid employees, leaving owners and highly compensated executives looking for additional ways to save for retirement. We can help you avoid this problem by creating attractive executive retirement options. To supplement qualified retirement plans (such as a 401k) these non-qualified plans allow owners and key executives to accumulate assets on a tax deferred basis, and they can be reserved for your most senior executives. Quality life insurance and investment products are used to fund the arrangement you choose. Allow us to customize a product and plan for you.

Key Person Insurance

Your company's most valuable people are often the hardest to replace. A key person life insurance policy can help you protect your company against the financial loss incurred when a valuable employee dies.

Strategies for Family Owned Business

Few people have more estate planning issues to deal with than the family business owner. The business may be the most valuable asset in the owner's estate. Yet, two out of three family owned businesses do not survive the first generation due to poor planning. Three concerns small business owners must address are: Who will take over the business if I die? Who should inherit my business? How will the IRS value my company? A business continuation plan funded with life insurance can help to solve the difficult issues raised by these questions.

Group Health, Life, and Disability Insurance

With the rising costs of health care, benefit plan design becomes more crucial for business owners. The proper plan and structure should balance both the need to keep and retain quality employees and the costs of providing these benefits. Our group benefit specialists will shop the market for the best and most cost-effective solutions for your employee benefit packages.

All Securities through Money Concepts Capital Corp. Member NASD/SIPC
OSJ Branch: 7121 Fairway Drive, Palm Beach Gardens, FL 33418. Ph. (561) 472-2000.
Investments are not FDIC or NCUSIF insured. May Lose Value. No Bank or Credit Union Guarantee.