Our services
Business Owner Solutions
We specialize in helping business owners design and manage employee benefit programs, including group health plans, SEP IRAs, and SIMPLE IRAs. Our aim is to support both the success of the company and the financial well-being of its employees, aligning benefits with long-term business objectives.
Our approach
How we help
01
Benefits that recruit and retain
In a tight labor market, a well-designed benefits package is a retention tool. We help you build one that competes without breaking the budget.
02
Retirement plans sized to your business
SEP IRAs suit owner-heavy businesses with flexible profits; SIMPLE IRAs fit teams under 100 employees with lower administration. We match the plan to your headcount and cash flow.
03
Take care of key people
Executive bonus arrangements and key-person coverage protect the business from losing the people it cannot run without.
04
Plan your own exit
The business is usually the owner's largest asset. Succession funding and buy-sell agreements turn that value into a retirement, not a fire sale.
Common questions
Have more questions?
SEP IRA or SIMPLE IRA — which fits my business?
SEP IRAs allow larger, employer-only contributions and suit variable profits. SIMPLE IRAs let employees defer their own pay with a modest required employer match. Headcount, margins and goals decide it — we run the comparison for your numbers.
SEP vs. SIMPLE IRA: the right plan for your headcountCan a small business really afford group health benefits?
Often yes — level-funded plans, ICHRAs and carefully chosen group plans have made coverage workable for much smaller teams than most owners expect. We quote the real numbers before you decide.
What's the difference between a SEP IRA and a 401(k) for a small business?
A SEP IRA is simpler and cheaper to administer but requires equal percentage contributions for all eligible employees if the owner contributes for themselves. A 401(k) allows employee salary deferrals and more flexible owner contributions but comes with more administrative requirements. We match the option to your headcount and budget.
How does key-person insurance actually work?
The business owns the policy, pays the premiums, and is the beneficiary on a key employee or owner. If that person dies or becomes disabled, the payout helps the business cover lost revenue, recruiting costs, or a transition period without a person who was critical to operations.
Key-person coverage and buy-sell funding: continuity you can bank onWhat is a buy-sell agreement, and do I need one with a business partner?
It's a legal agreement, drafted with your attorney, that determines what happens to a partner's ownership share if they die, become disabled, or want to exit. We help fund that agreement with life or disability insurance so the buyout is actually payable when triggered, rather than a plan on paper only.
Can I offer group health benefits if I only have a few employees?
Often yes. Level-funded plans and ICHRAs (individual coverage health reimbursement arrangements) have made group-style benefits workable for very small teams, though options and pricing depend on your state and group size. We quote your actual numbers rather than assuming you're too small to qualify.
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