As a business owner, you hear a great deal about employee benefits - how critical it is to provide high quality benefits to attract and retain the best employees. Of course that is necessary for your company's survival, but what about how to protect yourself, key employees, your business and your family from the unexpected? At Capital Benefits Group, we strive to help you plan for your future through a variety of different means. 

Business Continuation
     Business continuation planning addresses what is to be done in the event of a business owner's death, disability, voluntary termination, or bankruptcy.  Without an agreement, the death of a business owner could result in the termination of the business or cause a surviving spouse to become a partner or co-owner with the existing ownership group. 
     A Buy/Sell agreement is drafted by an attorney to address these and other possible issues.  Life and Disability insurance are used to provide the funding necessary to guarantee the financial aspects of the agreement.   

Key Person Life or Disability
     Would certain financial aspects of your company suffer due to the untimely death or disability of an executive?  Key person life or disability is used to protect your company financially from such an event. 

Estate Planning
     Estate planning is the process of transferring one's estate from one generation to the next in an efficient manner, avoiding probate and minimizing estate taxes.  Various planning techniques may be used to minimize the estate tax including:
          1) Drafting or adding a bypass trust to your current trust arrangement.
          2) Begin annual gifting. 
          3) Gifting of the unified credit to an irrevocable trust. 
          4) Purchase of life insurance inside of an irrevocable trust.
          5) Charitable giving
          6) Establish durable Power of Attorney for health care decisions. 

High Net Worth Financial Planning
     This particular program is a comprehensive fee based financial planning program that is designed for higher net worth, sophisticated investors with a broad variety of assets.  The following presentation shows how our specialists provide a platform that not only aggregates all of your assets and information in one place, but is also interactive and updated daily.   

Long-Term Care
     Long-term care is the assistance you will need for an extended period of time if you develop a chronic illness, disability, or cognitive impairment.  Long-term care can be very expensive.  Depending on the type of care, one year may cost an average of $40,000.  To reduce this potential financial exposure, long-term care insurance is an inexpensive way to provide financial protection to your family.

Long-Term Disability 
     Disability insurance is insurance protection which protects your paycheck in the event of your disability from an illness or injury.  After a waiting period has been satisfied, a percentage of your paycheck or a fixed amount of money per month will be payable to you as long as you remain disabled.