Services
Insurance Strategies for Business Owners and Incorporated Professionals
Estate Planning
Unexpected taxes and debts can erode an estate quickly. Rather than forcing the sale of assets, I help business owners use insurance to create liquidity, cover tax liabilities, and transfer assets smoothly to heirs — all while getting money out of the corporation tax-free. The goal is simple: protect your family and preserve what you’ve built.
Key Person Coverage
Some people are simply irreplaceable to a business. If a key partner or employee passes away or becomes disabled, the financial impact can be immediate and severe. Key person coverage provides the capital needed to manage disruption, reassure stakeholders, and give your company the breathing room it needs to recover.
Buy-Sell Funding
A buy-sell agreement is only as strong as its funding. Without insurance in place, surviving partners may lack the cash to purchase shares — leading to conflict, strained finances, or even the forced sale of the business. I help owners fund buy-sell agreements with insurance so transitions happen smoothly, fairly, and without jeopardizing the company’s future.
Income Protection
Your income is the foundation of both your family’s security and your business’s stability. If illness or injury prevents you from working, insurance can replace lost income and keep everything you’ve built on track. I help business owners put protections in place so life can continue even when work can’t.