In Estate Planning Are To…

• Identify, analyze and implement appropriate planning strategies so that the value of the estate is sufficiently reduced to a desired level.

• Affirm that the family owned businesses or real estate will be transferred to the survivors or beneficiaries without negatively impacting the next generation's ability to retain these valuable assets.

• Integrate any assets owned in conjunction with non-family members into the overall estate plan.

• Assure the estate tax liability will be funded in the most cost-effective and timely manner.

In Buy-Sell Planning Are To…

• Certify that the surviving owner(s) will be able to affordably purchase the remaining ownership interest in the most tax advantageous manner.

• Verify that in the event of a long-term disability, the disabled owner's interest may be purchased by the remaining owner(s) in a cost-effective manner.

• Confirm that a disabled owner will continue to receive compensation for a pre-determined period of time, without significantly burdening the company.

• Insure that the deceased owner's estate will receive adequate value for its ownership interest.

• Protect the company from financial hardship through life or disability insurance programs for key personnel.