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South Burlington, VT

Value Creation Blog

Get Ready For Retirement By Planning Now

retirment_planningRetirement is one of the biggest changes you’re ever going to make.  Too often I see people retire, then wish they never did it.  They’ve not thought through some of the changes that are likely to happen. 

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Topics: retirement planning, 401 (k) plans, life changes

6 Ways To Save For Retirement

retireSomeday you might want to retire. If you’re like most people you probably haven’t saved enough. If you own a business I can almost guarantee you haven’t. That’s because you think your business will provide more money than it really will.

If you work as an employee for someone you might not have done a plan that allows you to see how much you should save. I’m hoping that you’re under 35 years old and reading this post. If you are, it’ll be easy for you to save. If you’re not it gets much more difficult.

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Topics: people in transition, retirement planning, 401 (k) plans, financial planning, wealth management, stage 3,, stage 2,

4 Things Advisors Should Be Knowledgeable On To Work With Private Business Owners

knowledge resized 600We all have specialties where we make money with our business owner clients.  I find that when one works with private business owners it’s helpful to have a broad knowledge on many subjects.  If this broad knowledge is not your specialty, it’s important to know whom you can call on behalf of your client if they show interest in the subject you’re talking about.

Some of these subjects are crucially important to business owners and others are just things they will be interested in and want to know more about.  I think understanding what is crucial versus just interesting will help you know how much time you should spend becoming knowledgeable in these different areas.

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Topics: 401 (k) plans, ESOP, 831(b) captive insurance company, medical insurance, captive insurance

401 (k) Plans, What Every Advisor Needs To Know

401 (k) plansI think a lot about 401(k) plans and how they can be best used to help a private business owner reach financial independence.  When I speak before advisor groups whether they are financial professionals, attorneys or CPA’s I always emphasize that when working with private business owners it’s crucial that they understand how 401(k) plans can be used to the benefit of the owner Clients.

If a business has less than 25 employees, the advice to a private business owner shouldn’t be how much money they can put away.  Instead, we should start with the following question:

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Topics: retirement planning, retirement, 401 (k) plans, advisor to advisor

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