If you are a business owner, you have the added responsibility of your
business to worry about on top of your family. The following information
can help you start thinking about possible solutions to your needs and
help you prepare to consult with me. Helping Your Business Grow Don’t
have a  Harvard MBA? You're not alone. Most successful entrepreneurs
started out with what seemed like a good idea and ended up running a
business of their own. How can you learn to manage the business side of
business? Read, study, ask lots of questions, and seek out sound advice
 from your tax, legal and financial advisors. You can also turn to me
to discuss how the insurance and financial products that New York Life
offers can help you support your business growth plan. Business
Continuation Planning As a business owner, you are the lifeblood of your
 organization, the driving force behind its success. Have you considered
 what will happen to your business when you are ready to retire? Do you
have children or other family members ready to continue the family
business? Or is there another successor in line who will be able to pick
 up the reins? Most of all, if you died prematurely or became disabled,
 will the business you worked so hard to build be able to continue...and
will your family be financially provided for? Tough questions, yes, but
ones you need to ask. Retirement/Estate Planning One of the nice perks
of being self-employed or a business owner is that you don't HAVE to
retire. You're a doer. You like to make decisions and see results. But
maybe someday -- perhaps when you're 65, 75 or older - you just might
WANT the option to trade the fun and frustration of work for golf,
gardening, vacationing with the grandkids or sitting back and relaxing
with family and friends. Just as important, you also want to have all
your ducks in a row, so to speak, when it comes to making sure your
loved ones are well provided for in the future. Neither of these goals
 just happens. They are the result of decisions you make today. That
means retirement planning and estate planning – mapping out a strategy
 to create options for you and for your family. Fortunately, there are
 more retirement and estate planning choices available today than ever
 before for business owners and those self-employed. As a New York Life
agent, I am here to help you begin the process of planning. As the old
saying goes: Those who fail to plan...fail. Life Insurance for Risk
Management As a business owner, you live with risk. That's the nature of
 business. You take on risk when you borrow money to expand, launch a new
 product or service, hire a new employee, extend credit to a customer.
There are dozens of risks in business...and few guarantees. Successful
business owners, therefore, work to minimize risk, so they can focus on
meeting their objectives. Life insurance is a risk management tool. For
 instance, if your company invested in new facilities or new vehicles,
you would insure their value against the danger of theft, fire and
accident. In the same way, life insurance can help protect the value of
 key employees to your business, reduce the risk that a loan might
default if something happened to you, and, most of all, reduce the risk
 that your business and your family would suffer financially if you did
 not live to see your long-term plans completed. Employee Benefits
Finding quality employees is half the challenge. Keeping them – and
keeping them well motivated – is the other half, especially in today's
 tight labor market. One way to do that is to provide competitive
benefits. I know, when many small business owners hear the words
"employee benefits," they immediately think, "one more expense I can't
 afford!" If this sounds like you, you might want to think again. Two
 reasons: (1) Carefully selected benefits can help reduce costly
employee turnover, boost morale and, in turn, help assure your company's
stability and productivity. (2) Benefits need not cost you an arm and a
leg. For example, a voluntary payroll deduction program lets workers –
including you as an owner-employee – acquire valuable benefits at
virtually no cost to you.

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Let’s work together to analyze your needs. I can then help you decide
 what products and services would be right for you and your business.
Please use the Contact Us button on the left to e-mail me.