Broker Check

Products & Services


  • Bonds
  • Stocks
  • Mutual Funds
  • Exchange Traded Funds
  • Coverdell ESA
  • Traditional IRA
  • Roth IRA
  • Simple IRA
  • Brokerage Accounts
  • Treasury Bills
  • Government Securities
  • Treasury Notes
  • Variable Annuity

Financial Strategies

  • Retirement Plans
  • Tax Strategies
  • 401(k) Planning
  • 403(b) Planning
  • College Planning
  • Estate Planning
  • Money Purchasing Plans
  • Profit Sharing Plans
  • Cash Flow and Budgeting


  • Disability Income Insurance
  • Life Insurance
  • Long-Term-Care Insurance

Business Planning

  • Exit Planning
  • Succession Planning
  • Executive Compensation Planning
  • Family Office
  • Blockchain Application

Choosing a Transition Team
Independent Advisor
Assist in providing leadership, prospects, timing of the transition

Provides legal guidance, transition agreements, leases, non-compete agreements, qualify potential buyers

Certified Public Accountant
Asist in taxation plans, structure a deal to avoid negative tax consequences and estate-planning instruments.
Draft valuation of company to be used to set asking price
Provide documents for presentation to potential buyers

Insurance Professional
Provide coverage as required for buyers
Insurance coverage for transaction
Insurance to off- set taxation from sale
Retirement and estate planning

Business Appraiser
Itemizes value of company, comparison to market

Strategic Partner, Investor, and or Venture Capital
Provide insight on structuring wealth, equity and debt financing

Buyer or Successor
Family member or third- party owner to assess whether they have what it takes to run the business successfully

Investment Banker
Assemble plans for investment from proceeds from the transaction

Your Transition planning options

  • Transition within the Family- Your successor may know the business inside and out, but this approach may also cause family or employee discord
  • Sell to a partner or employee- A partner knows the business and has built a reputation among employees, suppliers and clients, but may be similar to your age, with retirement potentially on the horizon
  • Sell to a Third-party buyer- An outsider my not know the business, but this option presents more buyers and the potential for a higher sale price

Transition Planning Checklist: Start with the Business’ needs

  • Define overarching goals
    What does the business need from its next leader?
    Establish timeline to transition
    Assemble team of professionals
    Review business structure (sole proprietorship, partnership, corporation)
  • Plan for Successors
    Identify among family members, partners or employees
    Define how you are going to be involved after the transition
    Develop a plan for your successor
  • Review Tax programs
    Individual retirement plan
    Pension program (401K)
    Compensation arrangement
  • Communication
    Family involvement, partners, and key employees
    Provide stakeholders succession plan
    Be proactive in resolutions to stakeholders’ disputes
    Develop communication contact lines
  • Contingency Plan
    Assemble alternative transition plans
    Risk management review
    Buy/sell agreements with partners and stakeholders

Transition Proactive Planning

  • Start planning early, even if the business isn’t for sale
  • Communication with family and partners
  • Speak to outside expertise, financial advisors
  • Develop a plan for transition and alternative strategies
  • Legacy and retirement wealth planning
  • Involve board members and risk managers

Business Owner Insurance

  • Business Owner’s Policy (BOP)
    Business Income Insurance
    Commercial Property Insurance
    General Liability Insurance
    Professional Liability Coverage (Errors and Omissions)
    Cyber Security Insurance
    Workmen’s Compensation Insurance
  • Life Insurance
    Key Man
    Disability Insurance
    Long Term Care
    Executive Bonus Arrangement
    Buy/Sell Redemption Plan
    Economic Benefit Endorsement
    Split-Dollar Arrangement
    Nonqualified Supplemental Executive Retirement Plan