Understanding Wealth® Blog

  • Group Life Plans

    What are Group Life Plans? Many employers offer group term life insurance to their employees. The amount typically provided is $50,000 group term life coverage that is “free” to their employees. Group term life is one part of group insurance plans. Companies can also offer …

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  • Buy Sell Agreement 1

    Buy-Sell Agreements and Why You Need One

    The Purpose of a Buy-Sell Agreement Creating and funding a buy-sell agreement is one way to assure that there is a smooth ownership transition among co-owners or present and future owners of your closely-held business. Here are the benefits of establishing such a plan: Why …

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  • Business Valuation

    Business Valuation for Your Business?

    It may seem counter-intuitive to get a business valuation when you are probably not ready to sell your business. Still, when you know your business value, you unlock valuable understandings for the future of your business. Knowledge about your business value gives you a big …

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  • Executive benefits; recruit and retain key employees with executive benefit plans. BusinessPlanningGroup.com

    Executive Benefits

    Executive benefit plans can be used to provide specific benefits to business owners, executives, and key employees. Executive benefit plans assist owners and employees in accumulating and protecting wealth while deferring income taxes until retirement. Once in retirement, you may be able to withdraw your …

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  • SP Chart

    Dealing with Equity Market Risks

    Recently, equity investors have been pleased to see their equity investment values soar as the Dow Jones average has grown to over 20,000. Now, according to some well-known investors, the current equity market may be due for a harsh correction*. That’s the view of Mr. …

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  • Accumulating And Protecting Wealth Eggs1

    Accumulating and Protecting Wealth

    Our goal is to assist you in understanding the opportunities and potential rewards that are available when you take a proactive approach to your business and personal financial situation. Our strategy is to create customized financial solutions to handle your two distinct financial phases; the …

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  • Recruit Retain Reward1

    Recruit, Retain, and Reward Key Employees

    Recruiting Key Employees and Executives Building a high-performing organization has always been critical to maintaining your firms competitive market position. In today’s employment market, that’s even more difficult as workforce changes are creating: Utah experiencing rapid population growth You already knew that Utah is growing …

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  • Chance Of Death Or Disability Intro

    Disability Income for Key Employees and Owners

    While most companies recognize the importance of carrying life insurance on the owner and key employees, the facts show that an unexpected disability as far more likely to occur than a death. That means, without individual disability insurance on your key employees (and yourself), your …

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  • Captive Insurance Risk Management

    Forming and Benefitting from a Captive Insurance Company

    Captive insurance companies (captives) are established to insure enterprise risk in a cost effective manner that may not be readily available from traditional insurance carriers. Creating and owning a captive insurance company(ies) brings many benefits to your business: Captives versus Retail Insurance Carriers A captive …

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  • Tax Free Income TCP1

    Tax-free income with Tax Conversion Plans

    As our government struggles with growing debt, large deficits and spending levels, tax rates will no doubt be reevaluated and adjusted. Now fixed at the lowest historical levels for the last 80 years, when tax rates do go higher, the benefits of financial planning for …

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  • Leveraged Premium Plans

    Funding the Future with Leveraged Premium

    Leveraged premium plans enable clients to leverage liquid assets to fund a life insurance policy. With a leveraged premium financing arrangement, the insured (or the insured’s trust or corporation) takes out a loan from a lender to pay the premiums on a life insurance policy. …

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  • Types Of Qualified Plans 1

    Qualified Plans for Your Company

    Qualified plans provide essential retirement benefits for employers and employees and can also provide death and disability benefits. Qualified plans can give employers a critical edge in attracting and retaining highly qualified employees. Additionally, qualified plans provide tax advantages to employees, key executives, and business …

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