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Estate Planning

Estate planning - the process of planning how to preserve your assets for your heirs - is not just for the very wealthy. Everyone should engage in some form of estate planning. After working hard for many years, building up a business, and accumulating assets, you should make sure that those assets will not be unnecessarily used up, but preserved for your survivors.

Retirement Planning

Add to that the fact that we are all living longer, we are dependent on the income we generate throughout our working lives for many more years than previously thought - clearly retirement planning is vital.

Retirement planning is not a luxury – it is an absolute necessity. You have to think about how much you will need, when to retire, how to achieve enough retirement income to enjoy the lifestyle you want for your later years and what will the government have to contribute if anything? We take into account your current lifestyle, income levels, projected income leading up to retirement and create a plan that is going to support your needs now and in retirement. While it is hard to predict what the future holds, it is easy to ensure that yours has at a very minimum, the lifestyle you know you want. Talk with our team members today on how best to prepare for a comfortable retirement.

Succession Planning

Handing over your business to family members successfully can mean the difference between being financially sound for life or losing the value of many years of hard work and effort.

More than 70 percent of family-owned businesses do not survive the transition from founder to second generation. Rather, they fall prey to either the estate tax or family discord. Developing and implementing a well-designed plan is essential to the long-term success of the business you have grown and developed from the very beginning.

Succession planning also applies regardless of whether you have family members looking to take over the business. One day you are going to need to exit the business, through retirement or sale. Succession planning covers the key steps to prepare the business for that moment. In the event of selling the business to an outside purchaser, we can manage that process for and with you, as that can be an arduous undertaking. It is important to keep this concept in mind: Ultimately, for your business to truly be a realizable asset for you, you need to constantly be working on it with a view to selling it sometime in the future. Whether you do sell it or not ... is irrelevant. Keeping that frame of mind means that at least you will always be in a position to sell it and realize its true value, if you should ever want or need to.

That focus gives you a greater awareness of the need to systematize your business and make it less dependent on you. People want to buy businesses that work, not businesses that are run by people that work and work and work. Succession planning is an ongoing, ever improving process and is just as much about working ON your business as planning for the future.