Phase 1

New Business

Risk Management

  1. Loan Protection
  2. Key Person Protection
  3. Buy/Sell Agreement
  4. Personal Planning
    • Will/PA
    • Life Insurance
    • Disability Insurance
    • CI Insurance

Phase 2

Established

Maximize Benefits by Reducing Taxes

  1. Group Benefits
  2. Tax Sheltering Corp. Surpluses
  3. Retirement Income Planning
  4. Executive Benefits
    • Grouped Plans
    • Life Cycle

Phase 3

Mature

Business Succession Planning & Tax Efficiency

  1. Removing Corp. Surpluses
  2. Retaining Key Employees
  3. Tax Planning
  4. Equalization
  5. Corporate Restructure
    • Estate Freeze