Business Solutions

	Tax-Qualified Retirement Plans
Employee & Executive Benefits		Business Succession Planning
	Key Person Insurance

"Investing in your most important asset, your people.”


If you own a successful business, you know the meaning of hard work and what satisfaction truly feels like. If you also have the responsibility of supporting a family, you know what it is like to occasionally accomplish the impossible.

Our process in working with business owners is to work closely with your legal and tax advisors to help you reach your business and estate planning goals. Our strategies help the owner maximize their personal benefits, provide benefits that help attract and retain employees, protect against the loss of key employees, and create ownership succession strategies. These solutions can help you grow your business and transfer wealth to future generations. Once your customized strategy is in place, we continue to support you by conducting ongoing reviews to ensure your plan is on track.


Tax-Qualified Retirement Plans

Centinel Financial Group, LLC offers a wide variety of qualified retirement plans that can help owners and employees build financial independence at retirement. Some examples include 401(k)s, Pensions, Profit Sharing Plans, SIMPLE Plans, SEPs and Defined Benefit Plans.


Employee Benefits

Our advisors and professionals will work with to you create an employee benefits package that's right for your business, including: Health Insurance, Group Dental Insurance, Disability Income Insurance, Long Term Care Insurance, Voluntary Employee Plans and Cafeteria Plans.

Additionally we offer no-cost Educational Workshops for employees and executives on a wide variety of financial strategies. Our educational workshops for small businesses and corporations help empower your employees in their financial decision making, as well as help them understand their available retirement saving opportunities. We offer over twenty different educational workshops, including:

• Staying Optimistic in a Volatile Market
• Solving Retirement
• 10 Proven Strategies to Help Secure Your Financial Future
• How to Be A Successful Investor
• Long Term Care Planning
• College Funding Strategies

Executive Compensation Strategies

Our advisors and professionals help business owners design Supplemental Pension, Deferred Compensation, Executive Bonus, and other retirement and incentive compensation programs. These programs help motivate key people with financial incentives that enhance executive retention.


Key Person Insurance

The death or disability of a key employee can create serious problems for a business. Our advisors and professionals can help you protect against the loss of a key employee using tailored financial and insurance strategies.


Business Succession Planning

Our business succession strategies can be tailored to your wealth transfer objectives. We can provide Life Insurance and Disability Income Insurance funding for a Buy-Sell Agreement to provide for the orderly disposition of a closely-held business if an owner dies, becomes disabled or sells the business.



Other Resources for Business Owners

*Human Resources Services are offered exclusively and independently by HCR Group, Inc. HCR Group, Centinel Financial Group, LLC, and John Hancock/Signator Investors, Inc. are independent entities and are independently responsible for their own respective lines of business and activities.