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Small Business Plannning

Business Pension Plan Design

  • Perfect-Fit Pension Plans: After years of operating a successful business of your own, you deserve the comfort of knowing that your financial future is secure. You also should be enjoying the financial benefits of putting a business pension plan into action today. Cameron Bell and the Wealth Management Institute can offer you an array of business retirement plans that will help ensure a secure future for you and your employees.

  • Savings Incentive Match Plan for Employees (SIMPLE) IRA: Suitable for an employer with 100 or fewer employees who wants ease of administration while allowing employees to contribute.

  • Profit Sharing Plan: Accommodates an employer with unpredictable cash flow who wants flexibility in both contribution amounts and plan design.

  • 401(k) Plan: Designed for a employer who wants to allow employee contributions and also wants flexibility in plan design. An Individual 401(k) Plan may also be an ideal solution for a business owner with no employees who wants maximum funding flexibility and access to tax-free loans. These plans have new flexibility design features added due to the Tax Reform Act of 2003

Business Continuation Planning

  • What would happen if your business suddenly had to continue without you, a partner or key employee?
    Death, disability or retirement of a key executive can create a succession crisis—even threaten the continued existence of your company.

  • If you died, would your family be able to successfully operate the business? Successful transition of ownership is passed on to a family member less than 50% of the time.

  • If your successors had the opportunity to buy the business, where would they get the money?
    Liquidation of valuable company assets for a buyout can severely hamper operations; a total sale effectively destroys a successful enterprise.

  • If a partner were no longer there, could you afford to buy his or her share?
    Your investment, hard work and dreams for the future can vanish in the blink of an eye.

Protect your partners, your family, your personal interests…your business. With a carefully constructed Business Continuation Plan from the Wealth Management Institute, you can create a rock solid foundation for the future of your business and the people who depend on it. Working in conjunction with your accountant, attorney and other advisors, Cameron Bell will help you assemble the necessary elements of a successful succession plan.