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Financial Planning for Business Owners
Small business owners have unique risks and opportunities. For many, maintaining a positive cash flow and a stable balance sheet can be an ongoing battle that consumes virtually all of their time. Often the more financial success you have the more time it takes to manage it.

Retirement often seems like a distant speck on the horizon. We can help you plan for your financial future. By evaluating financial statements and cash flow we can assist in identifying strengths and weaknesses in your business.  Increasing cash flow can lead to your ability to save more which ultimately leads to a more secure retirement.

Death; Disability; Divorce or Departure of a key employee or owner can mean a sudden end to a successful business.  Implementing a plan now that addresses these issues can be paramount to the future viability of the business.  We guide our clients through a risk identification process and provide education on strategies to protect the business for their families, employees, and future generations. 
Many business owners also realize a retirement goal means selling their business. Business Succession Planning includes identifying the next generation of management; retaining key employees; when and how to transfer the business; and how to minimize the impact of taxes on the transfer. We work closely with business attorneys and tax preparers to ensure that the most efficient solutions are implemented.
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 Germaine C. Cordes, ChFC® is a Registered Representative with Securities America, Inc. Member FINRA/SIPC and Investment Advisor Representative with Securities America Advisors, Inc. Lifetime Capital Financial Group and the Securities America companies are separate entities. CA Insurance License 0D56266.

This site is published for residents of the United States and is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or product that may be referenced herein. Persons mentioned on this website may only offer services and transact business and/or respond to inquiries in states or jurisdictions in which they have been properly registered or are exempt from registration. Not all products and services referenced on this site are available in every state, jurisdiction or from every person listed.

This communication is strictly intended for individuals residing in the state(s) of CA, ID, IL and NV. No offers may be made or accepted from any resident outside the specific states referenced.

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