Do you have a written business succession plan to cover the possibilities of your retirement, death, or disability?
Do you have a plan in place to provide funding for your monthly business expenses should you become diabled and can no longer work?
Do you have a plan in place to protect your profits in the event you lose a key employee?
Do you have a "golden handcuffs" plan in effect to reward those key employees who have helped your business grow by providing additional incentive for them to stay?
Are you taking advantage of the pension plan provision that provides much higher benefits than you previously thought were available to you, and on a tax-deductible basis?
How would you like to make your life insurance premiums 85 percent to 90 percent tax deductible and not be required to cover all of your employees—in fact, perhaps just include one employee other than yourself?
Do you have a plan in place whereby the taxes will be paid for your estate rather than from your estate?
If you run your own business, these are questions you should be able to answer. If you have answered "no" to any of these, then we need to set up a time for an individual consulation.