Business Owners

Financial Planning:

Running a business is one of the most time-consuming, stressful and rewarding endeavors a person can take on. Our mission is to design a strategy that enables you to translate your business success into personal and financial success.

At Cascade, our clients value working with us because we help take important tasks, that they lack the time and energy to address individually, off their plate. We work with our clients to address issues and identify opportunities to maximize their business efforts. Throughout the process we coordinate with the client’s accountants, lawyers and other professionals to ensure the plan is a fit for all parties.

Insurance Planning:

Insurance planning for business owners is an important step for managing business continuity and success in the event of an untimely death or a sickness. Insurance has many practical roles in business planning, such as:

Funding a Buy-Sell Agreement – In the event of a premature death or a prolonged disability, there are several questions your business must answer. Who buys your shares? For how much? How do they afford the purchase? What are the tax implications? Insurance is often the most cost-effective and tax-effective tool for guaranteeing a seamless buy-sell transaction.

Key Person Insurance – Every successful business has that individual who, without them, the business does not thrive. Losing one of these “key persons” to death, disability or illness can be extraordinarily tough on a business. You would need to attract, hire and train the right replacement, all the while continuing normal operations. Key-Person Insurance is designed to alleviate this stress by injecting the necessary capital to manage the transition.

Corporate Asset Transfer – You’ve worked hard to build a successful business and want to maximize your personal wealth for your family. Life insurance can be an extremely tax-efficient tool for growing and distributing corporate funds, unlike any other asset class.

Investment Planning:

When it comes to investment planning, the first step is working to understand our client’s unique investment goals and concerns prior to constructing their portfolio.

There are numerous unique challenges and opportunities surrounding businesses when it comes to investing. Corporate tax rates, personal tax rates, ownership structures, the Lifetime Capital Gains Exemption and flexibility all play a role in designing an appropriate investment plan. We proudly leverage our in-house tax professionals to develop a plan that is tailored to our client’s individual situation.

Group Benefits:

How do you compensate your employees? Does your company have established policies and procedures for new hires? Does your company have a program for sick or injured employees? A properly implemented group benefits program handles all these questions, without burdening the employer.

Gone are the days of submitting paper receipts and pages of forms, waiting to be reimbursed by an insurance company. Today’s group plans use cutting edge technology to make claim submission and tracking headache-free for employees and employers. Talk to us today to learn more about how we can save your business time and money on your employee benefits.