Built it? Let’s make sure you keep it.
You know how to make money. We help you keep it, with one plan for your taxes, your people, your succession and your family, built alongside the CPA and attorney you already trust.
- No cost for the meetings, the plan or our help
- You’re always free to say no
- We walk through what each option costs first
Most business owners have a CPA who files the return, an attorney who drew up the paperwork, and a stack of policies nobody has looked at in years. Nobody is looking at the whole picture. That’s the gap we fill. Royal Family Finance leads your wealth management team and plans every area below with you, so the business you built protects your income, rewards the people who help you run it, and passes to your family the way you choose. You don’t need every strategy on this page. Most owners need 3 or 4, and the first meeting is how we find out which ones.
Tax Planning and Entity Structure
Tax prep looks back at last year. Tax planning looks ahead.
What it is
The way your business is set up decides how it’s taxed, how much liability you carry and how your pay and benefits are treated. An LLC separates business from personal and gives you legal protection, but on its own it doesn’t change how you’re taxed. Electing S corporation or C corporation treatment does. We look at your structure with your CPA before the year closes, not after.
Example
- $72,000a year in reasonable salary through payroll ($6,000 a month)
- 21%flat federal tax a C corporation pays on its taxable income
An owner taxed as an S corporation pays themselves a reasonable salary through payroll, say $72,000 a year ($6,000 a month), and that salary carries the normal payroll taxes. Profit left after salary and business expenses can be paid out as distributions, which aren’t subject to self-employment tax. A C corporation is different. It pays a flat 21% federal tax on its taxable income, but money it pays out as dividends is taxed again to the owner, so it tends to fit owners who keep most of the profit inside the business.
Hypothetical example. Your CPA sets the salary and decides whether any election fits your situation.
See who it fits and how it works
Who it fits
- Sole proprietors and single-member LLC owners paying self-employment tax on every dollar of profit
- Owners whose income has grown past what they can write off
- Owners whose CPA files the return but doesn’t plan with them
- Owners weighing an S corporation election or a C corporation for profits they keep in the business
How it works
- 1We review your current structure, what you and the business paid in taxes last year, and the benefits you offer.
- 2We list the questions worth asking, such as an S corporation election, a reasonable salary or a C corporation.
- 3Your CPA runs the numbers and makes the call.
- 4We line up the strategies that fit the structure, such as retirement plans and executive benefits.
- 5We review it with you every year as the business grows.
What we do
- We bring the right structure questions to your CPA and sit in on the planning meeting.
- We match the strategies on this page to the structure your CPA recommends.
- We don’t give tax or legal advice. Your CPA and attorney do, and we make sure they’re working from the same plan.
Retirement Plans for Owners
The right plan depends on what you want it to do and how much flexibility you need.
What it is
A small business retirement plan helps you save for your own retirement, gives you tax advantages, and helps you keep good people. The main options are a SEP IRA, a SIMPLE IRA, a 401(k) and a defined benefit plan. Each one trades cost, flexibility and contribution size differently, so the choice comes down to your cash flow, your team and your goals.
Example
Here’s how the rules point owners in different directions. A SEP IRA is funded only by the employer, up to 25% of each eligible employee’s pay, and you don’t have to contribute every year, but any year you do, every eligible employee gets it. A SIMPLE IRA is for businesses with 100 or fewer employees, lets employees save from their own pay, and has the employer either match up to 3% or give 2% to everyone eligible. A 401(k) allows more design choices and higher limits, and a solo owner can use a Solo 401(k). A defined benefit plan can allow the largest deductible contributions, but the contribution is required every year, profitable or not.
Plan rules shown for illustration. Contribution limits change every year, so we confirm current limits with your CPA and plan administrator.
See who it fits and how it works
Who it fits
- Owners with no plan at all, including solo owners
- Owners with uneven profits who want to contribute only in good years
- Owners with steady, high profits who want larger tax-deductible contributions
- Owners who want employees to save part of their own pay
How it works
- 1We start with 2 questions: what do you want the plan to accomplish, and how much flexibility do you need?
- 2We look at your headcount, cash flow and whether you’re willing to pay for plan administration.
- 3We compare the plans side by side with you and your CPA.
- 4We set up the plan document and enroll eligible employees.
- 5We review contributions and limits each year, since the dollar limits change.
What we do
- We help you choose the plan that fits your goals and cash flow.
- We coordinate with your CPA and the plan administrator so setup and deadlines are handled.
- When a qualified plan’s limits are too small for you or your key people, we look at executive bonus and deferred compensation, covered below.
Business Succession and Buy-Sell
Years of work shouldn’t come undone the day you step back.
What it is
A succession plan decides what happens to the business if an owner dies, becomes disabled or retires. A buy-sell agreement is the legal contract at the center of it. It requires an owner’s share to be sold, and the remaining owners or the business to buy it, at a price set ahead of time. Only a little more than 30% of family-owned businesses survive into the second generation, and only 12% into the third.
Example
- 50%each of the 2 partners owns
- 100%what the surviving partner owns after a funded buy-sell agreement
A business has 2 partners who each own 50%. One passes away, and his spouse inherits his half. Now the surviving partner either works with a new co-owner who may not be in the business day to day, or the spouse wants to be bought out and the cash isn’t there, which can force a sale. With a funded buy-sell agreement, the policy pays at the partner’s death, the family receives the agreed price, and the surviving partner owns 100% of the business.
Hypothetical example. Results depend on the agreement, the valuation and your situation.
See who it fits and how it works
Who it fits
- Partners and co-owners with no buy-sell agreement, or one that’s never been funded
- Sole owners who want a key employee, relative or competitor to buy the business someday
- Owners whose agreement and valuation haven’t been updated in years
- Owners who plan to sell, pass down or keep the business and haven’t decided which
How it works
- 1We review what would happen today if each owner died, became disabled or retired.
- 2Your attorney drafts or updates the agreement: entity purchase, cross-purchase, wait-and-see or one-way.
- 3You set a valuation method, from a fixed price to a formula or an appraisal.
- 4We plan the funding. The 4 choices are cash, borrowing, an installment sale or a protection policy.
- 5We review the agreement and the coverage as the business value changes.
What we do
- We find the gaps in your current plan and bring in your attorney to draft the agreement.
- We design and place the funding so the money is there when the agreement is triggered.
- We keep the coverage in step with the business value over time.
Key Person Protection
If one person leaving would hurt the business, plan for it before it happens.
What it is
Key person protection is a policy the business owns on someone critical to its success. The business pays for it and receives the benefit if that person dies, so it can cover lost profit and the time and cost of finding and training a replacement. The premiums aren’t deductible, but when the notice and consent rules are followed, the death benefit is generally received free of income tax. If the policy builds cash value, the business owns that value too and can draw on it while the person is alive.
Example
- $250,000a year in profit lost with the top salesperson
- $1,750,000of key person protection: $2,500,000 over 10 years, discounted at 7%
- $500,000for the manager: $100,000 times 5 years
A top salesperson is 10 years from retirement, and losing her would cost about $250,000 a year in profit. That’s $2,500,000 over 10 years, which discounts at 7% to about $1,750,000 of key person protection. A manager is paid $250,000 where the market pays $150,000, and a replacement would need 5 years to match his expertise. That’s $100,000 times 5, or $500,000 of protection.
Hypothetical example. Results are not guaranteed and depend on rates, policy performance and your situation.
See who it fits and how it works
Who it fits
- Businesses that depend on 1 or 2 people for sales, leadership or specialized skill
- Businesses whose credit could suffer if a key person were lost
- Owners who’d struggle to replace a top manager quickly
- Businesses that want a protection asset with cash value on the balance sheet
How it works
- 1We identify the people whose loss would cost the business real money.
- 2We value each one, by contribution to profits or by excess salary.
- 3The business gives written notice and gets the employee’s written consent before the policy is issued.
- 4The business applies for, owns, pays for and is the beneficiary of the policy.
- 5The business files the required annual report on the policy with its tax return.
What we do
- We help you value each key person and size the coverage.
- We handle the notice and consent paperwork with you and your CPA.
- We look for features such as a change-of-insured rider, offered by some carriers, so the policy can move to a new hire.
Executive Bonus
Reward the people you can’t afford to lose, and keep them.
What it is
An executive bonus plan (often called a Section 162 plan) is a bonus the business pays to cover a protection policy that the employee owns. The bonus is a deductible business expense as long as total pay is reasonable, and it’s taxable income to the employee. The employee picks the beneficiary, keeps the policy’s cash value, and can access it. A restricted version, called a REBA, lets the business set a vesting schedule and require its sign-off before the employee touches the cash value.
Example
- $13,750the executive’s yearly policy cost
- 45%his combined tax rate
- $25,000total yearly bonus: $13,750 divided by 0.55
An executive’s policy costs $13,750 a year, and his combined tax rate is 45%. To cover both the premium and the tax on it, the business divides $13,750 by 0.55 (1 minus 0.45) and pays a total bonus of $25,000 a year. The executive pays nothing out of pocket. One honest note: if you set up an executive bonus on yourself as the owner, it usually isn’t a tax break, because you pay tax on that money either way.
Hypothetical example. Results are not guaranteed and depend on rates, policy performance and your situation.
See who it fits and how it works
Who it fits
- Businesses losing good people to competitors over small raises
- Key people who’ve hit the limits of the company 401(k)
- Owners who want to choose who gets the benefit and how much
- Businesses that want a benefit with no qualified-plan administration
How it works
- 1You choose the employees and the yearly bonus amount.
- 2Your attorney drafts the agreement, including any vesting schedule, such as 0% vested for 4 years and 100% in year 5.
- 3The business pays the bonus, directly to the policy or to the employee.
- 4The employee reports the bonus as income. A “double bonus” can cover that tax.
- 5The employee owns the policy and keeps it after vesting, even if they leave.
What we do
- We design the plan around your goals for retention, profit and taxes.
- We coordinate the agreement with your attorney and the deduction with your CPA.
- We place and service each employee’s policy.
Split-Dollar Plans
The business and the executive share the cost and the benefits of one policy.
What it is
A split-dollar plan is an agreement between an employer and a key executive to share a policy’s premiums, cash value and death benefit. Usually the business has the cash flow to pay the premiums and the executive needs protection for their family. Depending on how it’s set up, the business recovers what it paid from the cash value or the death benefit. There are 3 main types: collateral assignment (economic benefit), loan regime, and endorsement.
- Endorsement
The business owns the policy and shares the protection with the executive while they work for you.
- Collateral assignment
The executive owns the policy, and the business is repaid from it when the plan ends.
- Loan
The business lends the premiums to the executive, who pays interest, and the loan is repaid when the plan ends.
Each type is taxed differently, and every plan needs an exit set before it starts. We’ll walk through which one fits your team, with your CPA and attorney.
Example
Added to the executive’s taxable income each year, for $750,000 of family protection
- $825at age 40
- $1,147.50at 45
- $3,112.50at 55
- $8,925at 65
A $1.5 million policy is set up so that half, $750,000, goes to the executive’s family. Under the IRS table used for the economic benefit, the amount the executive adds to taxable income each year is $825 at age 40, $1,147.50 at 45, $3,112.50 at 55 and $8,925 at 65. That’s the yearly tax cost of $750,000 of family protection, while the business pays the premium.
Hypothetical example. Results are not guaranteed and depend on rates, policy performance and your situation.
See who it fits and how it works
Who it fits
- Businesses that want a selective benefit for top executives, with no ERISA reporting
- Executives who need significant protection at a lower personal cost
- Businesses that want to recover their cost later
- C corporation owners, for whom a loan regime plan can be especially useful
How it works
- 1The business and executive sign a formal written agreement, drafted by attorneys.
- 2You pick the type. In collateral assignment and loan regime plans, the executive or a trust owns the policy. In an endorsement plan, the business owns it.
- 3The business pays or lends the premiums.
- 4The executive is taxed each year on a small “economic benefit,” or pays imputed interest on the loan.
- 5You agree on an exit (roll-out) plan up front, so the business is repaid when the plan ends.
What we do
- We help you and your attorney choose the right type and exit plan.
- We coordinate the tax treatment with your CPA.
- We design and place the policy and review it as the executive ages.
Deferred Compensation
Give key people a way to save beyond the limits of a qualified plan.
What it is
A nonqualified deferred compensation plan lets a key employee or owner-employee set aside part of their pay or bonus now and receive it later, at retirement or another set date. It isn’t bound by the contribution limits, vesting rules or nondiscrimination tests of a 401(k), so you can offer different benefits to different people. The business often funds its promise informally with a policy it owns on the employee, then uses the policy values to pay the benefit later.
Example
A senior executive at a growing company has maxed out her 401(k) and wants to retire with more. The company agrees to let her defer part of each year’s bonus. The company owns a policy on her life that grows over the years. When she retires, the company pays her a supplemental income from the policy values and takes the deduction as it pays. If she had died while working, the policy would have funded a benefit for her family. A rabbi trust can add security for her while keeping the tax deferral.
Hypothetical example. Results are not guaranteed and depend on rates, policy performance and your situation.
See who it fits and how it works
Who it fits
- Highly paid employees who max out their qualified plan
- Businesses that want to reward a select group without offering it to everyone
- Owners who want a retention tool with very little paperwork
- Businesses that want the cash value to show as an asset on the balance sheet
How it works
- 1The business and employee sign a written deferred compensation agreement.
- 2The employee defers part of their pay or bonus and isn’t taxed on it until it’s paid.
- 3The business buys and owns a policy on the employee to informally fund the promise.
- 4At retirement, the business pays the benefit, which is deductible to the business then and taxable to the employee.
- 5If the employee dies first, the policy proceeds can fund a benefit for their family.
What we do
- We design the plan with you and coordinate the agreement with your attorney.
- We place and monitor the funding policy.
- We work with your CPA on the deduction timing and the 409A rules these plans must follow.
Premium Financing
Get the protection you need without selling what you’re building.
What it is
Premium financing means borrowing from a third-party lender to pay the premiums on a large protection policy. The business, an individual or a trust owns the policy, pays the loan interest each year, and pledges the policy (and other assets if needed) as collateral. The plan is to repay the loan later from policy values, other assets or both. It can keep your capital working in the business, but it carries real risks, so it only fits certain owners.
Premium Financing: Large Protection Without Tying Up Capital3:46
How a large policy can be funded with a bank loan instead of your own cash, shown with a hypothetical example.
Example
John, 48: $10 million of protection for his succession plan
- $716,101borrowed a year for 7 years to pay the premium
- $42,823year 1 interest at an assumed 5.98%
- $4,048,262interest over 15 years, with the rate assumed to rise to 6.98%
- $5,012,707loan repaid from the policy in year 16
- $10,490,729about this much protection stays in place
John, 48, owns a growing business, and his succession plan calls for $10 million of protection. His business borrows $716,101 a year for 7 years to pay the premium instead of pulling cash out. At an assumed starting rate of 5.98%, year 1 interest is $42,823, and the business pledges $186,333 of extra collateral that year. With the rate assumed to rise to 6.98%, interest over 15 years totals $4,048,262. In year 16, the policy’s values repay the $5,012,707 loan, and an illustrated death benefit of about $10,490,729 stays in place.
Hypothetical example. Results are not guaranteed and depend on rates, policy performance and your situation. Rising rates or weak policy performance can require more collateral, and loan interest to buy protection is generally not tax-deductible.
See who it fits and how it works
Who it fits
- Owners who need a large amount of protection for succession or estate planning
- Owners who don’t want to sell business assets or investments to pay premiums
- Owners with enough liquid assets to pledge as extra collateral
- Owners who may want to reduce gift taxes through a trust
How it works
- 1We confirm the protection need and that premium financing fits.
- 2You apply for the policy and, separately, for the loan.
- 3The lender pays the premiums, and you pledge the policy plus any extra collateral.
- 4You pay the loan interest each year. Rates usually reset yearly.
- 5The loan is repaid from policy values or other assets, or from the death benefit at death.
What we do
- We work with specialist partners who arrange the lender, the trust paperwork and the funding.
- We stress-test the plan for higher rates and lower policy performance before you sign.
- We coordinate the trust with your attorney and the tax side with your CPA.
Asset Protection and Holding Company Structure
Keep a problem in the business from reaching your home and savings.
What it is
If you run your business as a sole proprietor, a lawsuit against the business is a lawsuit against you and everything you own. Forming an LLC or corporation puts a legal line between business and personal assets. Many owners go one step further with a holding company structure. A holding company owns 100% of the operating company and holds the valuable assets, like intellectual property and cash, while the operating company is the one that deals with clients, employees and suppliers.
Example
A contractor runs his business as a sole proprietor. A client sues the business, and because there’s no separation, the claim can reach his home and savings. With his attorney, he sets up an operating company for the jobs, the crew and the suppliers, owned 100% by a holding company that keeps the business’s cash and its intellectual property. A claim against the operating company now generally stays with the operating company’s assets.
Hypothetical example. How much protection a structure gives depends on state law and how the entities are run. Your attorney decides the structure.
See who it fits and how it works
Who it fits
- Sole proprietors and contractors with no entity in place
- Owners who’ve built valuable intellectual property, cash reserves or real estate
- Owners with more than one business or line of work
- Families who want to hold assets together for the next generation
How it works
- 1We ask how protected you feel from lawsuits and creditors, on a scale of 1 to 10.
- 2We map what you own and which entity holds each asset today.
- 3Your attorney sets up the right structure, such as an operating company under a holding company.
- 4We set up separate bank accounts, credit and coverage for each entity.
- 5We review the structure as you add assets or businesses.
What we do
- We find the gaps between your business and personal assets.
- We bring in your attorney to set up the entities and agreements.
- We line up the coverage, accounts and credit each entity needs.
Liquidity, Debt and Business Credit
Cash you can reach, even when your wealth is tied up in the business.
What it is
Many owners are wealthy on paper and short on cash. The money is in equipment, real estate or the next stage of growth. This part of the plan builds liquidity you control: business credit in the business’s own name, a cash reserve, a plan for debt, and protection assets with cash value you can access. The goal is that a bad month, a lost key person or a big opportunity doesn’t force you to sell something at the wrong time.
Example
A business has grown fast and reinvests almost everything. Then a key manager dies, and the bank sees the loss and tightens the credit line just when the business needs cash. A business in the same spot that built credit in its own name, kept a reserve, and owned a key person policy with cash value has its own sources to draw on. It can cover the gap and hire a replacement without selling equipment at a discount or borrowing on bad terms.
Hypothetical example. Results depend on your business, lenders and situation.
See who it fits and how it works
Who it fits
- Owners reinvesting most of their cash flow into growth
- Owners still using personal credit for business expenses
- Businesses whose credit depends on 1 or 2 people
- Owners carrying debt with no clear plan to pay it down
How it works
- 1We separate business and personal accounts and credit.
- 2We help the business open its own credit and start building a business credit history.
- 3We set a cash reserve target based on your expenses and seasonality.
- 4We order your debts and build a plan to pay them down.
- 5We add cash value protection assets where they fit, so there’s money the business can access.
What we do
- We build the liquidity and debt plan with you and your CPA.
- We connect you with partners for business banking and credit.
- We design cash value protection that the business can access.
Corporate Credit Program
Build credit in your business’s name, not yours.
What it is
Through our partner Prime Corporate Services, the Fundability® program builds a real business credit profile tied to your EIN, so the business can qualify for credit and financing without leaning on your personal credit or personal funds.
The program
- $60M+in business credit obtained (Prime’s figure)
- 2,000,000+entrepreneurs served (Prime’s figure)
- $1,950program cost (a $3,950 value)
See who it fits and how it works
Who it fits
- Owners who use personal cards for business
- Businesses that need working capital
- Owners who want better terms with lenders and suppliers
- Businesses preparing to grow
How it works
- 1A Fundability Foundation check makes sure the business meets lender, bank and credit issuer standards.
- 2Business credit profiles are set up with Dun & Bradstreet, Experian Business and Equifax Commercial, including D-U-N-S number registration.
- 3The business gets access to hundreds of business credit accounts tied to its EIN, with no personal attachment.
- 4A dedicated business credit advisor works with you one on one.
- 5Finance specialists stay with you to find the best funding options for the business.
What we do
- We see where the program fits in your plan.
- We introduce you to Prime Corporate Services.
- We stay with you while your business credit is built.
Estate Planning and Family Wealth Transfer
What you’ve built should go where you choose, not where the courts decide.
What it is
Estate planning makes sure your business and your wealth pass to your family on your terms, with as little lost to taxes and confusion as possible. It covers wills, trusts and beneficiary reviews, plans for keeping the business in the family, and tools like a family limited partnership. When a policy is properly owned by an irrevocable trust set up to hold it (an ILIT), the death benefit is generally free of federal income tax and estate tax. Many families also use Legacy Banking, where a policy’s cash value becomes the family’s own source to borrow from instead of a bank, and the death benefit passes the wealth to the next generation.
Example
- $1,500,000in rental properties
- 2general partner units the couple keeps
- 98limited partner units they gift over time
A couple in their mid-40s own rental properties worth $1,500,000. With an attorney, they form a family limited partnership and put the properties in it, divided into 100 units: 2 general partner units they keep, and 98 limited partner units. Over time they gift limited units to their 2 adult children, using annual gift exclusions and valuation discounts. Over time, most of the ownership can pass to the children while the couple keeps control as general partners. Their attorney sets the pace of the gifts to fit current gift tax limits.
Hypothetical example. Results depend on valuations, current gift tax rules and your situation. Your attorney and CPA set the actual terms.
See who it fits and how it works
Who it fits
- Owners whose business is a large part of their estate
- Families who own rental properties or a family business together
- Owners with no will, or a will that doesn’t address the business
- Parents who want to build generational wealth and teach their kids to use it
How it works
- 1We review your current will, trusts and beneficiaries.
- 2We map what passes to whom, and when.
- 3Our estate planning partner or your attorney drafts the documents.
- 4We fund the plan, including any trust-owned protection.
- 5We review it after every major life or business change.
What we do
- We lead the planning with our estate partner or your attorney.
- We design and place trust-owned protection and Legacy Banking strategies.
- We keep beneficiaries and documents up to date.
Protection and Long-Term Care Planning
Keep the plan standing if something happens to you, or if you need care later.
What it is
Every strategy on this page assumes you’re here and able to work. Protection planning covers what happens if you’re not. It includes personal protection for your family, disability coverage that replaces income if you can’t work, living benefits that pay out during a serious illness, and care planning for help you may need later in life. For the business, it also means deciding whether your salary continues if you’re disabled, and how a disability would affect your partners.
Example
An owner has strong personal protection for his family but nothing for disability. A serious injury keeps him out of work for a year. The business has no plan to keep paying him, and his partner is doing double the work. An owner in the same spot with disability coverage, living benefits on his protection policy, and a buy-sell agreement that addresses disability keeps an income, keeps the business running, and has a set path if he can’t come back.
Hypothetical example. Results depend on the coverage you choose and your situation.
See who it fits and how it works
Who it fits
- Owners whose family depends on the business income
- Owners with no plan for continuing their salary during a disability
- Partners whose buy-sell agreement covers death but not disability
- Owners who want to offer protection benefits to their team
How it works
- 1We ask what happens to the business and your family if you die, become disabled or need care.
- 2We review the personal and business coverage you already have.
- 3We fill the gaps with protection, disability coverage, living benefits and care planning.
- 4Where it fits, we fund it through the business, for example with an executive bonus.
- 5We review coverage as your income and business grow.
What we do
- We review your personal and business protection side by side.
- We design coverage that fits your budget and your business.
- We coordinate with your attorney so your agreements match your coverage.
One team, led for you.
RFF works with established Centers of Influence and coordinates services and strategies between the CPAs, attorneys and other professionals you choose, as the leader of your family’s wealth management team. Wealthy families build a family office so their CPA, attorney and advisors work in one room toward one plan. We give you that same kind of coordination without needing a family office of your own. Every business meeting is with our team.
- Your CPA
- Your attorney
- Other professionals you choose
4 ways we work with your business
- Level OneBook Level One
Employee Financial Resources
Offer financial education and planning to your employees without any direct company involvement.
- Level TwoBook Level Two
Company-Integrated Employee Benefits
Provide structured financial benefits and planning without managing them in-house.
- Level ThreeBook Level Three
Full Employee Benefits Implementation
Set up employer-sponsored financial benefits without the administrative burden.
- Level FourBook Level Four
Advanced Business Financial Strategy and Wealth Consulting
High-level financial strategy, tax optimization and business succession planning for long-term success.
Guide to Business Startup
1Choose and Secure Your Business Name
- Help brainstorming or generating a name
- Check name availability
- Register your business name legally
2Form an LLC or Other Legal Entity
- Prepare and file documents
- Handle state filings
- Guide you through formation
3Business Licenses and Permits
- Find out which licenses you need
- Apply for the right permits
- Keep your business compliant
4Taxes and Bookkeeping
- Ensure your taxes are filed correctly
- Understand your expenses
- Track your business finances
5Business Insurance
- Protect your business
- Safeguard your assets
- Manage tailored coverage
6Trademark
- Protect your business
- Secure your brand
7Business Bank Account
- Separate your personal and business finances
- Stay organized
8Website
- Select or customize templates
- Bring your business online
9Branding
- Create a custom logo
- Get branded assets
10Brand Your Business
- Design business cards
- Get branded merchandise
11Business & Corporate Credit
- Open a business credit card
- Start building business credit
12Secure Your Legacy
- Obtain key person insurance
- Develop an estate plan
13Set Up Tax-Advantaged Growth for Retirement
- Customize your strategy
- Build tax-advantaged growth, subject to its rules, charges and loans
14Business Coaching & Mentorship
- Consult with an advisor
- Receive support & guidance
15Asset Protection & Risk Mitigation
- Safeguard your business
- Reduce liability & losses
16Join Community & Peer Network
- Meet other business owners
- Get advice and support
- Build strategic partnerships for expansion
Ready to make your business official?
Contact us for a free personalized business consultation and help setting up the right business settings for your goals.
- No cost for the meetings, the plan or our help
- You’re always free to say no
- We walk through what each option costs first
Let’s look at your business together.
Bring your questions, your last tax return if you have it handy, and the names of the professionals you already work with. In one Financial Strategy Session, we’ll find the 3 or 4 areas that matter most for your business and show you what each one would take.
- No cost for the meetings, the plan or our help
- You’re always free to say no
The examples on this page are hypothetical and for education only. They aren’t a promise of results. Policy loans and withdrawals reduce cash value and death benefit, may cause a policy to lapse, and may be taxable. Tax treatment depends on your situation and current law. Neither WFG nor its agents provide tax or legal advice, so talk with your CPA and attorney before you act.