Professionals & Business Owners

As a professional or business owner, you’ve worked hard for your success and deserve to work with an advisor who can address your unique challenges. Celine has been helping professionals such as yourself for over 30 years in her various careers and business ventures.

Business Owners

5 Retirement Mistakes<br />Small-Business Owners Make

5 Retirement Mistakes
Small-Business Owners Make

Click Below to Download the Report: 5 Retirement Mistakes Small-Business Owners Make and How to Avoid them

The 5 Dreaded D’s of Business

  • Death of an Owner or Key Employee
  • Disability of an Owner or Key Employee
  • Divorce of an Owner
  • Disagreement between Owners or Spouses
  • Departure or Disinterest of an Owner
Click here to learn more about protecting your business through insurance

Click here to hear Mike’s story and how insurance helped keep his business from closing

We understand the dedication and commitment required to build a successful business. Celine has been a small business owner since 1992. We all know that as business owners we often put our own needs last, while putting our clients and staffs needs first. Business owners also tend to reinvest all their profits back into the business. This can be a mistake.

Business owners should prepare for retirement with the same level of diligence and diversification recommended for anyone else. Business owners do not have the support of a large employer helping to build their retirement accounts through matching contributions. For this reason, and others, you may be at risk of not being prepared when the time comes. But fortunately, you have financial and tax planning opportunities available to you that are unique to business owners, and should be considered when putting your plan together. We can also help you to create key man policies to protect your most valued employees, as well as deferred compensation programs to incentivize them to stay with you for the long haul.

Retirement Planning

Is your business your primary retirement asset? Do you even know what it’s worth, truly? If you were unable to run your business tomorrow, would it be sellable on the open market and what would you get for it? Have you spent a lifetime pouring time and money into it hoping that one day you could cash in? You’re not alone. The problem is that without proper planning your dreams may turn into a nightmare. Let us help you figure out the best course of action to liquidate your business when retirement comes, or how to generate a cash flow from it.

Protecting Your Business

Our experience is that small business owners have such a passion for their own industry, that sometimes they overlook the need to protect themselves and their families against expected and even unexpected events.

Inevitably, there will come a time when a decision will need to be made about the future of your business and your clients. Consider creating a succession plan that follows your vision and leaves you and your family in control, not the courts or the IRS.


If you are a senior executive, healthcare professional, attorney, engineer, or other professional, we recognize that time is at a premium. We will work with your schedule to help you build a plan that fits your lifestyle. We also understand that very often as professionals, we tend to put others needs ahead of our own. Let us help you to address your unique challenges and specific needs, whether they are related to wealth management, income planning, asset protection, tax mitigation, or estate planning.

Has your current advisor addressed these concerns?

  • How do I structure my wealth to minimize taxes or future taxation?
  • What happens if I become disabled and can no longer work or make the same level of income?
  • How do I diversify from a concentrated stock position or stock options?
  • How do I structure an income plan to maintain my lifestyle after I no longer wish to work or are unable to do so?
  • How do I most effectively build, protect and manage my wealth for my unique situation?

Risk of Becoming Disabled

Did you know that according the Council for Disability Awareness “over 1 in 4 of today’s 20-year-olds will become disabled before they retire? Accidents are not usually the culprit. Back injuries, cancer, heart disease and other illnesses cause the majority of the long-term absences”.

Click here to learn more about disability insurance.
Click here to hear Michael’s story and how insurance helped him maintain his lifestyle

R E A D Y     T O    T A K E

The Next Step?

For more information about any of the services or products listed, choose a time to speak with one of our advisors or register to attend one of our upcoming events.


Or give us a call at (727) 304-6000