161 Washington Street
We offer a comprehensive range of solutions tailored to meet your unique needs and empower you to make informed financial decisions. Whether you’re seeking comprehensive investment advice, personalized wealth management, retirement planning, estate planning, or strategies for your business, our team of experienced financial professionals is dedicated to providing you with the highest level of expertise and personalized guidance. With a commitment to transparency, integrity, and client satisfaction, we strive to build long-lasting relationships that enable you to thrive financially.
Along with liability and property coverage, life and disability insurance are a piece of risk management practice for companies of all sizes. Key person coverages helps bridge the gap to a business by providing immediate liquidity to assist with the financial needs of a business and create funding in the event of an unexpected death or disability.
Life Insurance policies can be used as the funding mechanism by a business owner for buy-sell agreements in order to help ensure the continuation of the business in the event of a premature death, disability, or simply retiring. It can be used to address many potential problems such as providing the liquidity for the purchase of shares that are predetermined, whether a Cross Purchase or Entity Purchase agreement. A life insurance policy will deliver an income tax free benefit to the policy beneficiary(ies) to create liquidity in a timely fashion.
In competitive employment environments, it is essential for businesses to find and keep talent. Non-qualified deferred compensation and supplemental executive retirement plans allow an employer to provide, on a discriminatory basis, elite retirement, life and disability coverage as an additional benefit. When properly structured, these strategies can eliminate the reverse discrimination gap for highly compensated members of an organization.
For many companies, a key component of starting up or expansion is obtaining a loan or investment capital from a third-party. In other situations, a potential buyer may have insufficient cash for an outright purpose and finance the purchase through a promissory note obligating the purchaser to a series of payments.