We offer a wide array of services to help business owners address their financial needs at
every stage of the business life cycle. Taking into account their personal values and
financial goals, we create and execute customized strategies to help entrepreneurs meet their
objectives. Some of our key services are detailed below.
Business Successions
You have worked hard to build the successful business that you own today. At White Cap
Financial, we believe that a
well-developed, integrated succession plan is essential to achieve financial security for
you, your business and
your family, to achieve family and employee harmony, and deliver maximum value for the
business.
Business Succession Planning
We work with our business clients to first help define their objectives and discuss
potential strategies for the
transition of their business to family, third party or charity. We integrate with your
estate, retirement and wealth
goals and will work with your CPA, Attorney, Business Valuation specialist and other
advisors to implement the plan
with you, your family and your team.
Key Person Insurance
The loss of one of the people who are key to the success or operation of your business can
lead to losses in sales,
service or product delivery, business momentum, and even credit. Replacing such an employee
can be time consuming
and costly. Life and disability insurance can provide an essential source of cash to help
offset the financial loss
in such circumstances.
Buy-Sell Planning
A buy-sell agreement is a legally binding agreement between co-owners of a business that
governs the situation if a
co-owner dies, becomes disabled or leaves the business, whether by force or by choice. A
funded buy-sell plan
utilizes life insurance to help ensure that the arrangement is properly funded so that there
will be money if the
event occurs due to the death or disability of an owner.
Funding Deferred Compensation
Deferred compensation is a written agreement between an employer and an employee in which
the employee chooses to have part of his or her compensation withheld by the company,
invested on their behalf, and distributed to them at a predetermined point in the future.
Deferred compensation can be used as a flexible way to attract and incentivize key
employees. I can provide funding strategies for deferred compensation
