Corporate Solutions

Financial Services for Businesses

Today's business owners need to provide financial and insurance solutions for not only themselves, but their employees and business as well. At LifeTyme Financial Services LLC, we assist you by developing solid plans for Retirement, Tax Planning, Succession, and comprehensive Buy and Sell strategies to meet your specific needs.

Executive Compensation Programs

With LTFALLC and LTFGLLC's Executive Compensation solutions, our advisors can help business owners design plans to attract quality employees and retain key personnel.

• Deferred Compensation
• Executive Bonus
• Split Dollar
• Fully Insured 412(e)(3)

Tax Planning Strategies

Tax planning refers to the process of reviewing options to determine how your taxes can be reduced. Many business owners are unaware that by simply adjusting how they conduct business, or their transactions, they may be able to mitigate their taxes. Rather than ignoring this until you meet with your accountant, tax planning is an ongoing and very valuable process to help you reduce your liabilities. We offer guidance on available credits and deductions and will work with your CPA, or refer one to you, when needed.

Business Continuation Programs

A goal of many business owners is to one day transfer their business interest to either family members or key employees. When done correctly, a succession plan can offer a tax efficient method of business transfer for both the current owner and the successor.

Succession planning can also help businesses avoid the erosion of capital due to estate taxes and legal fees in the case of an owner’s untimely death or disability. We assist clients with

formalizing their succession objectives and future goals and can refer them to CPA’s and attorneys for further assistance if needed.

LTFGLLC offers a variety of solutions that can help a small business owner transfer business ownership and protect the future of his/her company.

Buy and Sell Strategies

All business owners, whether they own or co-own their business, should have a plan in the case of an unexpected death. Buy-sell agreements can help protect a business owner, and his or her business, from unintended ownership transfers and also protects heirs by offering them the chance to turn their shares into cash. We offer advice on buy-sell agreements and can provide referrals to attorneys who can assist you with determining the right type of agreement for your situation.

Retirement Plan Solutions

Many small business owners want to offer their employees a retirement plan but don’t know where to start! By offering a 401(K) or other plans for long term investing, employers can often retain their most important personnel. We’ll work with you to determine the best 401(k) or 401(b) retirement plan, profit sharing and cash balance plans, or Roth, SIMPLE, and SEP IRA’s (Individual Retirement Accounts), for your business.

LTFALLC and LTFGLLC offer a variety of packages to help reward and retain personnel with tangible benefit programs such as:

• 401(k)
• Profit Sharing Plans
• Pension Plans
• SEP and Simple IRA
• Sole Proprietor 401(k)
• Money Purchase
• Target Benefits