Business Planning

Business Planning

  • Buy/Sell Planning: Governs and funds situations arising from the voluntary (retirement or sell) or involuntary (death, disability or force out) departure from the business
  • Business Valuations: Assist with finding an appropriate value for businesses
  • Corporate Owned/Key Man Insurance: Provides for a benefit to the company in the event of the loss of a company’s executive or employee and may build reserves on the balance sheet
  • Retention & Bonus Programs: Provide benefits to retain and reward key employees and executives. Examples include:
    • Deferred Compensation
    • Executive Bonus Arrangements
    • Supplemental Executive Retirement Plan (SERP)

Benefit Planning*

  • Provides for an offering  of benefits for employees to insure against multiple situations and may be provided by the employer or purchased by the employee:
    • Dental Insurance
    • Short Term Disability Insurance
    • Long Term Disability Insurance
    • Life Insurance
    • Vision Insurance
    • Voluntary Insurance Programs (Accidental Death & Dismemberment, Critical Illness, Cancer Policies)

Group Medical Insurance Planning*

  • Provides the employer with a comprehensive list of medical insurance carriers and strategies that strive to minimize cost and maximize efficiency. This can combine a mixture of:
    • Health Insurance
    • Self-Funded Plans
    • Health Reimbursement Account (HRA)
    • Health Savings Account (HSA)

Retirement Plans

  • Defined Contribution: Employer sponsored plans that provides for an individual account for the employee; the employer, employee  or both may contribute to this account. Examples include
    • 401k Plans
    • 403b Plans
    • 457 Plans
    • SEP IRA
    • Solo 401k
  • Defined Benefit Plans: Employer sponsored plans that provide for a specified monthly benefit at retirement for its employees. Examples include:
    • Pension Plans
    • Cash Balance Plans

Legal Document Review

  • It is important to make sure that you have the appropriate, updated legal documents and to have ease of access in the event of emergency.

*Neither Guardian nor its subsidiaries offer health, auto, home or group medical benefits.


Securities products and services offered through Park Avenue Securities, LLC
(PAS), member FINRA, SIPC. OSJ: 4201 Congress St Ste 295 Charlotte, NC 28209 (704) 552--8507
PAS is an indirect, wholly-owned subsidiary of The Guardian Life Insurance
Company of America (Guardian), New York, NY.
Strategis is not an affiliate or subsidiary of PAS or Guardian.
Important Disclosures
Neither Guardian nor its subsidiaries issue Property & Casualty
or Health insurance products or services.
This material is intended for general public use. By providing this material,
Strategis is not undertaking to provide investment advice for any specific individual
or situation, or to otherwise act in a fiduciary capacity. Please contact a financial
professional for guidance and information specific to your individual situation.
2018-62656 (8/2020)