Your business is part of your financial plan
For many business owners, the business is their biggest asset — and their biggest risk. If something happened to you or a partner tomorrow, what would happen to the business, your staff and your family? Good business planning answers that question before it becomes urgent.
Buy-and-sell agreements
If a co-owner passes away or becomes disabled, a buy-and-sell agreement lets the remaining owners buy their share at a fair, agreed value. Life cover funds the purchase, so the surviving owners keep control and the family of the departed partner receives cash instead of a business share they may not want.
We help you set up the agreement and the cover, and review it as the business value changes.
Key person cover
Some people are hard to replace — the founder who brings in clients, the engineer who knows every system. Key person cover pays the business a lump sum if that person dies or becomes disabled, helping cover lost profits, recruitment and loans while you recover.
Employee benefits
Retirement funds, group risk cover and medical benefits help you attract and keep good people. We help you choose benefits that fit your budget and team, explain them clearly to employees and review them every year.
We also look at your personal plan as an owner: how you'll eventually exit the business, how you'll fund your own retirement and how your estate plan fits together.