Financial Solutions

Financial Solutions for You and Your

Business

We can help you reach your business and estate planning goals with solutions that will maximize your personal benefits, provide the tools to recruit and retain employees, protect against the loss of key employees, and create ownership succession strategies working closely with your legal and tax advisers. These solutions can help build your business and transfer wealth to future generations.

Once your customized plan is in place, we will continue to support you by conducting annual reviews to ensure that the plan is on track.

Retirement Planning — Qualified plans can help owners and long-term employees build financial independence. Some examples are 401(k), pension, profit sharing, SIMPLE, and Defined Benefit plans.

Executive Compensation Strategies — We design supplemental pension, deferred compensation, executive bonus, and other retirement and incentive compensation programs. These programs motivate key people with financial incentives that enhance job security.

Employee Benefits — We can help you create the employee benefit package that’s right for your business, including: disability, long-term care insurance, group medical,¹ group dental, employee voluntary, and cafeteria plans.

Educational Services — We can conduct seminars for your employees on their retirement packages. And as a value-added service, we offer educational seminars on a variety of financial topics.

Key Person Insurance — The death of a key employee can create serious problems for a business. We can help you protect against this loss.

Business Succession Planning — Our succession strategies can be catered to your wealth transfer objectives. We can provide life insurance funding for a Buy-Sell Agreement to provide for the orderly disposition of a closely held business if an owner dies, becomes disabled, or sells.

For family business owners, we identify alternative strategies to equalize estate assets among all children — whether they’re active or inactive in the family business.

1. Disability, group medical, and group dental plans are issued by companies other than John Hancock.