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 by working closely with your legal and tax advisers. These answers can help build your business and transfer wealth to future generations.

Once your customized plan is in place, we will continue our support by conducting annual reviews to ensure 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, in addition to other retirement and incentive compensation programs. These arrangements motivate key people with financial incentives which enhance job security.

Employee Benefits— It is important to create the right employee benefit package for your business. These can include: disability, long-term care insurance, group medical,¹ group dental, employee voluntary, and cafeteria plans.

Educational Services— DFC can conduct seminars for your employees on their retirement packages, as an additional value-added service.  In addition, we also offer educational seminars on a variety of other 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.