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Business Strategies

Entrepreneurs face a host of unique challenges. They also have a number of planning opportunities at their disposal that are not generally available to the traditional employee.We help business owners manage risk, build tax strategies, reward key employees, and coordinate business balance sheets with owners’ personal balance sheets. We work with a wide range of small and mid-sized businesses. Regardless of their industry or size, many face similar concerns: effectively implementing and managing retirement plans and benefit programs. Providing objective advice, we assist clients with:

Employment Benefits

Providing an employee benefits package that includes quality, affordable healthcare coverage can be a significant challenge for employers. We help business owners with:

  • Financial Wellness Seminars
  • Major Medical* Insurance
  • Dental Insurance
  • Life Insurance
  • Short-Term & Long-Term Disability
  • Voluntary Benefits

Executive Benefits

Offering an executive benefits plan can attract and retain key employees. We can help employers determine and implement appropriate plans, such as:

  • Supplemental Life & Disability Income Protection
  • Business Insurance
  • Succession Planning
  • Buy-Sell Agreements
  • Key Person Training
  • Split Dollar Arrangement

Retirement Planning

Many small business owners want to offer their employees a retirement plan but aren’t sure where to start. We assist business owners with:

  • Pension Design & Administration
  • 401(k) and 403(b) Plans
  • Profit Sharing Plans
  • Cash Balance Plans
  • Traditional, Roth, SIMPLE, and SEP IRAs
  • ESOPs (Employee Stock Option Plans)


*Neither Guardian nor its subsidiaries underwrite or service Major Medical.