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Owner Focused Retirement Planning

You may be asking yourself a number of questions such as, "What will retirement look like? Will it involve a sale? Will succession planning to current employees or family members be part of it? How will the owners extract income from the business or firm? Does a business valuation need to be completed? Are adequate savings vehicles in place now for the owners?”

Together, we will review options for you as an employer to maximize retirement contributions and discuss how non-business retirement resources fit into the picture.

Tax Management

MFG will conduct tax impact analysis for both the business and the owners personally. We work with tax professionals on strategies to manage current and future taxes in addition to providing and evaluating cost-basis reviews and reviews of carry-forward losses.

Our team will also provide insight into advanced tax depreciation strategies, help forecast potential future tax implications and savings opportunities, and determine how a future sale or transition could potentially impact future taxes.

Investment & Insurance Planning

Our team will help design investment allocation and insurance protection strategies based on your goals, your timeline, and your tolerance for risk.

We Take Into Account:Portfolio Design

  • Asset allocation and location analysis
  • Portfolio stress testing and risk tolerance
  • Tax-advantaged investments as warranted
  • Our analysis will also include personal investments and retirement accounts held outside of the business.

Our analysis and design will include: Insurance Protection

  • Accessing protection needs based on industry specific risks
  • Transition and Employment coverage such as:
    • Buy/Sell Agreements
    • Key Person Strategies
    • Directors and Officers Protection Analysis
  • General Liability and Umbrella Analysis
  • Group Employee Plans and Workers Compensation
  • Property & Casualty Analysis
  • Personal Insurance needs for business owners and their families
Business Valuation

Business Valuation

MFG utilizes BizEquity® which harnesses Artificial Intelligence(AI) and Cloud Source technology to provide industry specific Business Valuations and Key Performance Indicators (KPIs) for small businesses. We utilize a simple 7-Step process that can be completed online in a fraction of the time or effort required by offline valuation firms. If a certified valuation is required, we have resources available to provide certified valuation reports when needed.

We know that a majority of small business owners plan to fund a large portion of their retirement through the sale and/or transition of their business. Knowing the true value of your business and how to efficiently extract that value to fund retirement is paramount for business owners. This is key regardless if you are looking at an external sale to a third party, an internal transition to family members, or something else altogether.

Employee Benefits

We will review your existing employee retirement benefits and your fiduciary responsibilities as the owner. We’ll design and implement owner/employee retirement and health insurance plans as needed and conduct cost-benefit analysis reviews of existing benefits. Additionally, we provide employee education and hands-on assistance.

Operations & Business Analysis

Taking a nuts and bolts approach to your business strengths, weaknesses, opportunities and threats will help us understand where you’re at and where you’d like to be. A SWOT analysis will center around both current operations and plans for the future of the business or firm. This may include KPI review, business plan review and cash flow analysis as needed. The SWOT analysis is completed as a starting point for much of the overall planning.

Succession and Transition Planning

Working alongside business valuation professionals, we’ll assist you in developing a business succession plan that meets your needs.

How will you exit your business someday? Is there a family member, a partner or a valued employee who will step up to take the reins? If so, are they prepared and what will that look like?

When it comes to transition planning, it’s important to outline the resources necessary to fund a buyout in order to keep the business operating and growing among other details including:

  • Will your transition involve a sale to an outside entity?
  • Will you need to stay involved during the transition? If so, for how long and will you be required to help finance the transaction?
  • Are you willing to accept that risk or do you prefer to just walk away?

Succession and Transition Planning

Working alongside business valuation professionals, we’ll assist you in developing a business succession plan that meets your needs.

How will you exit your business someday? Is there a family member, a partner or a valued employee who will step up to take the reins? If so, are they prepared and what will that look like?

When it comes to transition planning, it’s important to outline the resources necessary to fund a buyout in order to keep the business operating and growing among other details including:

  • Will your transition involve a sale to an outside entity?
  • Will you need to stay involved during the transition? If so, for how long and will you be required to help finance the transaction?
  • Are you willing to accept that risk or do you prefer to just walk away?

Financial Estate Planning

We work with estate planning professionals to assist you in designing a financial estate plan built around your goals.

Working in conjunction with your estate planning professional, we will evaluate your current and future estate planning needs and goals. We will address such questions as:

  • What if I have heirs who are part of the business and others that are not?
  • How will a transition of assets affect my estate? Is equal fair in this instance?
  • What other considerations must I include?
  • Do I need a buy-sell agreement funded in case of pre-mature death or disability?
  • What about my spouse? How do I make sure he/she is taken care of if something happens to me or the business?

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