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Business Planning Flipbook PDF
BCJ Financial Group
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BUSINESS BCJ Financial Group Presents
PLANNING
Let’s meet your business challenges together.
Financial Group
Meeting Business Challenges As a business owner or executive, you know it is hard to meet business challenges alone. In addition to the day-to-day operation of the business, you have other issues to worry about, such as meeting and exceeding customer demands or managing your personal financial plan. Our professionals have extensive experience in business planning and can assist you with identifying and developing opportunities that will help protect and enhance your company.
Life Cycle Business Planning From start-up, through growth and into your exit and transition, we will be there to help you every step of the way. We will show you how to develop executive benefit programs, retain key people and minimize adverse effects from the loss of a key person. We will also help you design and implement cost-efficient and tax-efficient benefits.
Retirement for Business Owners
53%
While 53% of small-business owners say they wouldn’t retire from their businesses, 40% say that when it is time to retire, they expect to rely on retirement savings acounts such as a 401(k) or IRA, and 27% say they will rely heavily on the sale of their business.1 By depending on the growth of your business, you are placing a tremendous amount of pressure on yourself and the success of your company. Will you and
Investment Management Our Strategy We incorporate a next generation investing philosophy into our investment strategy and asset allocation designs. Unlike a traditional risk tolerance approach, where all of your investment assets are aggregated and allocated based upon your maximum risk tolerance, we segregate your assets by each goal and develop allocations with the appropriate risk tolerance and capacity.
your company be prepared for your retirement goals?
Do you have a plan? Are you planning on retiring completely or do you plan on alternating between working and retirement? Only 1 in 4 owners say they would retire completely today, so it is safe to say that most business owners expect to continue working even into their retirement years.1 Developing a retirement plan that meets your goals and expectations can be time consuming and time is valuable. Choosing an investment strategy, managing the assets within the strategy and regularly maintaining the plan to adjust for market changes is a job of which business owners have little time for. With the help of a financial advisor, the retirement planning challenge becomes simple and easier to fit within a complicated business schedule. We will work with you to develop a custom investment solution that is tailored to your goals, risk tolerance and time horizon. We will focus on who you are as an investor and leverage the revenues of your business to meet your personal retirement goals.
With a broad selection of investment and management strategies, we are able to evaluate each client’s situation and apply the most appropriate investment recommendations. Our investment committee has developed strategies that will give you the ability to invest based on your time frame, your goals, and your risk tolerance. We want to help you build confidence and we will never take unnecessary risk.
Our Difference We never put our clients into a pre-designed plan. We always build that plan around them, their needs, and their goals. We will seek to preserve your capital while growing your wealth over time, and we do this by learning not only what your goals are, but who you are. Only then can we begin to build forward-looking strategies and financial advice customized for you. Our professional mission is to give our clients unbiased and knowledgeable advice. To that end, we strive to be credible and confident in the advice we provide. We are committed to demonstrating our service and advice in a consistent manner, and on addressing the unique and specific needs of business owners and their families - this is our commitment to you.
Group Retirement Planning & Executive Compensation/Benefits The cornerstone to any benefit package is a retirement plan... among the most valuable employee benefits available. With such a large selection of retirement plans to explore and research, taking the time to find the most appropriate plan may not be top priority on your business calendar. We understand the unique needs of plan sponsors and their participants. We work closely with our clients to determine the appropriate plan design, create an investment lineup focused on ehnancing participant outcomes, educate participants on the importance of saving, and help plan sponsors comply with ERISA to successfully manage their fiduciary obligation. In addition, we work with you to create a sound investment platform, reviewing your Investment Policy Statement to help with the selection and monitoring of plan investments. Annually, we will provide an analysis of your chosen plan to ensure that it is still the appropriate plan for your given situation. We also coordinate closely with you to provide proper education to your employees so they feel empowered about their plan.
Protect Your Business Protecting your business is critical, as you are not only protecting the business itself and the people employed within it, you are protecting your personal assets as well. There are a number of insurance options geared specifically towards businesses and their owners. From adequate valuation to assurance of proper payment, we will ensure you have a plan that will afford you essential protection from future losses both professionally and personally.
Exit and Succession Planning
47%
Exiting your business after years of hard work can be overwhelming and post a logistical and emotional burden for you, your partners, and your employees. In fact, 47% simply believe it just isn’t necessary to have a transition plan.2 There are many reasons why owners neglect succession planning. Your retirement is not adequately funded. There is no one in place to run the company after you have left. You don’t want to feel that you are being pushed out. You are reluctant to sell. The cost of taxes. Your company’s culture will change.
Without a plan, you may not recognize the full potential of your company and its value. A well-designed and thought-out exit strategy will give you a properly timed plan that will consider all factors and interested parties, ncluding your personal goals. With an exit strategy you wil be able to identify what type of owner you are, set your priorities and goals, learn about exit and transfer options and understand how valuation applies to each option. We will work with you to create a plan that will help you properly close or transfer your business while keeping you financially secure, even after you have left.
BCJFinancial.com
Financial Group
1- Wells Fargo/Gallup Small Business Index Survey 2017 http://news.gallup.com/poll/206510/half-small-business-owners-don-retire.aspx 2- Nationwide Survey Finds Majority of Business Owners Don’t have a Succession Plan. February 7, 2017 https://www.nationwide.com/about-us/020717-nw-business-succession.jsp Investment Advisory Services offered through BCJ Capital Management, a (SEC) Registered Investment Adviser. Information presented is for educational purposes only. It should not be considered specific investment advice, does not take into consideration your specific situation, and does not intend to make an offer or solicitation for the sale or purchase of any securities or investment strategies. Investments involve risk and are not guaranteed. Be sure to consult with a qualified financial adviser and/or tax professional before implementing and strategy discussed herein. BCJ FG 15-14