Business Owners

Retirement Plans For Raleigh Business Owners & Employees

RGA Investments has designed a process that allows business owners to evaluate all retirement plan options, including small business retirement plans, 401k plans, self-employed retirement plans and more.

Rick Gardner, our Raleigh, NC financial advisor, will provide the pros and cons of qualified and non-qualified plans as he guides small business owners through the decision process. Once we find the right solution for you and your employees, we will closely monitor the plan to ensure it meets your needs in an ever-changing environment.

Succession & Exit Planning

Exit planning is the process of intelligently leaving your company in a position to prosper without you…without sacrificing yourself financially in the process. RGA Investments can help you focus on the strengths of your company, identify the weaknesses and examine all of the opportunities and obstacles along the way as we create the right succession plan for you.

For most business owners, the biggest challenge is converting that illiquid currency called privately-owned stock into a liquid income stream at retirement. Doing so requires careful tax planning and managing creditor risk. Many times, the challenge is to identify the best succession candidate, whether it is a family member, a key employee who has helped you build the business or a third-party.

Exit Planning: Questions to Ask

Exit planning involves creation of a strategy so you can answer these seven questions with a confident “yes”:

  • Do you know your exact retirement goals and what it will take in cash to reach them?
  • Do you know how much your business is worth today, in cash?
  • Do you know the best way to maximize the income stream generated by your ownership interest?
  • Do you know how to sell your business to a third party and pay the least possible taxes?
  • Do you know how to transfer your business to family members, co-owners or employees while paying the least possible taxes and enjoying maximum financial security?
  • Do you have a continuity plan for your business if the unexpected happens to you?
  • Do you have a plan to secure financial independence for your family if the unexpected happens to you?

Exit planning involves more than simply valuing your business and selling it in the open market. Many private business owners want to transition the business to either family members or insiders who have been loyal and have invested substantial sweat equity into the business.

Contact us today for your free portfolio review