Business Continuity Planning
We discuss strategies designed to help a company keep operating after the death or disability of an owner or key employee — from short-term cash needs to leadership transitions and creditor considerations.
Business Owner Solutions
Your Business Should Protect More Than Your Current Income
You have invested time, capital, and energy into building your company. A coordinated business financial strategy can help protect the organization, reward key people, prepare for ownership transitions, and support your personal retirement goals.
Built for owners across industries
Small businesses
Medical practices
Consulting firms
Contractors
Real-estate professionals
Technology companies
Professional-service firms
Closely held businesses
Business Risk Assessment
Seven questions every owner should be able to answer.
If any of these prompts leave you uncertain, they are worth a conversation. Each one points to a strategy we can help you evaluate.
What happens if an owner dies unexpectedly?
What happens if a key employee becomes seriously ill?
Can the company continue without its primary revenue producer?
Is the owner building retirement assets outside the business?
Is there a funded succession or buy-sell plan?
Are key employees likely to stay?
Could an extended-care need affect business or personal assets?
Coordinated Planning
The business, the owner, and the family — planned together.
For most owners, personal and business finances share the same balance sheet in practice. We work with you — and, when appropriate, with your attorney, CPA, plan administrator, and benefits specialist — to build a strategy that respects the whole picture.
- Protect what the business has already built.
- Reward and retain the people who make it run.
- Prepare for the transition you want, on your timeline.
- Support the owner's personal retirement independently of the sale.
Eight areas we help owners address.
Buy-Sell Funding
A properly structured insurance arrangement may provide funding for an ownership-transfer agreement created and reviewed by qualified legal counsel. The agreement itself is a legal document; we help address the funding conversation alongside it.
Key Person Protection
Coverage on an essential owner or employee may help offset the financial disruption that can follow the loss of someone the business depends on — replacing revenue, recruiting a successor, or reassuring lenders and customers.
Executive Benefit Strategies
Properly designed compensation and insurance arrangements may help businesses recruit, reward, and retain selected employees — including executive bonus, supplemental retirement, and split-dollar concepts.
Qualified Retirement Plans
We discuss 401(k), profit-sharing, defined-benefit, and cash-balance concepts at a general educational level, and coordinate with plan administrators and tax professionals for design and compliance.
Business Succession
Ownership transition rarely happens on short notice. We help owners think through family succession, third-party sale preparation, valuation conversations, and coordination with legal and tax professionals.
Personal Retirement Planning for Owners
The business should not necessarily be the owner's only retirement asset. We help owners build personal wealth alongside the enterprise so retirement does not depend on a single successful exit.
Tax-Efficient Strategy Coordination
Business structures and benefit arrangements may have tax implications that must be reviewed with a CPA, tax attorney, plan administrator, or other qualified adviser. We coordinate — we do not replace those professionals.
Puzz Heritage Financials does not provide legal or tax advice. No business arrangement, benefit plan, or insurance strategy should be described as deductible, tax-free, or otherwise tax-advantaged without qualification and review by your CPA, tax attorney, plan administrator, or other qualified professional. Product guarantees are subject to the claims-paying ability of the issuing insurance company.
Business Financial Review
Request a Business Financial Review
Tell us a little about the business. A licensed financial professional will follow up to schedule a confidential conversation and share our Business Financial Readiness Checklist.
- Confidential, no-pressure conversation
- Coordination with your attorney and CPA when appropriate
- Educational — no product pitch on the first call