Our advisors understand the complexities
of planning for businesses and their
owners. It is quite difficult and most often impractical to try to separate
the entity from the family planning process. Our advisors have a great
deal of experience working with Business Owners and are well equipped to analyze
the financial picture as a whole. Some
aspects that are considered…
Cash Flow Management
Our advisors can help devise a plan to maximize returns for your short and mid-term cash needs.
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The dozens of different plans available and frequent Legislative changes present a complex obstacle for Business owners. Our advisors are trained to use this to your advantage. In conjunction with our Retirement Support Specialists, we can help select the plan that best meets the needs of your business. We are considerate of the desire to maximize funding while minimizing costs, the need to educate employees, and the need to protect the interests of the business by limiting liability.
At Synergy Wealth Strategies our representatives believe that creating the plan is the beginning of the relationship, not the end result. We strive for the highest levels of service by keeping the employers informed, the employees educated, and making sure that the plan is up to date with the frequent Legislative changes and remains the best vehicle for the business.
Identifying and maintaining the proper plan is only half of the battle. At Synergy, our advisors are well qualified to guide you through the next important piece of the puzzle...the investments. Please see our section regarding Portfolio Management for more information on how Synergy Wealth Strategies can help manage your portfolio...
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Our advisors through their affiliation with APFS use in-depth analysis and a broad array of tools and resources to construct, review, and monitor investment portfolios. Careful Consideration is given to ensure that every portfolio is constructed in alignment with the needs, goals, and risk tolerance of each individual investor. Tax implications. investment restrictions, and surrender charges and penalties on current investments are always considered.
At Synergy Wealth Strategies, we believe that constructing the portfolio is the beginning of the relationship, not the end result. It is imperative that portfolios are constantly reviewed to ensure that investors assets are invested for optimum performance with respect to the individuals goals and objectives.
Our clients goals are well thought out and often quite complex...their portflios should reflect the same. We do not believe in simple "cookie cutter" solutions to complex issues. Synergy Wealth Strategies was created so that our advisors can spend the time to carefully consider the intricate issues of each individual and utilize the products and services of widest range of providers possible.
Some of the investments used to create our portfolios include, but are not necessarily limited to the following...(please keep in mind that not all investments are suitable for all investors).
• Mutual Funds
• Exchange Traded Funds (ETF's)
• Separately Managed Accounts (SMA's)
• Unit Trusts
• Alternative Investments
• Limited Partnerships
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For many business owners, the business represents their families largest asset. It is imperative to have a plan in place to ensure that the transition of this asset is accounted for in your planning. If you can't or do not wish to continue running the business, who will take over? Do you have a partner? Is there a younger generation family member that you would like to take over? Will you sell? To whom? Perhaps the Employees? How will you be compensated for this transition?
Theses are only a couple of the very important questions that must be addresses. Our advisors are qualified to guide you through the Succession Planning Process. We can help you plan for your eventual relinquishing of control, obtain business valuations, identify potential successors, explore ESOP's, prepare Buy/Sell agreements, and explore many other strategies.
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Health Insurance and Employee Benefits
Employee benefits are one of the fasting growing expenses facing business owners today. Synergy Wealth Strategies offers a full suite of group benefits products including Health, Dental, Vision, Life Insurance, Disability Insurance, Long Term Care Insurance, Health Savings Accounts (HSA's), Flexible Spending Accounts (FSA's), and Qualified and Non Qualified Retirement Plans. Our advisors can help select the plan that is right for your business and examine ways to keep the costs associated with the provision of these benefits manageable.
At Synergy Wealth Strategies, we believe that putting the plan in place is the beginning of the relationship, not the end result. We strive for the highest levels of service by keeping the employers informed, the employees educated, and making sure that the plan is up to date with the frequent Legislative changes and remains the best vehicle for the business
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