Business Planning Services We recognize that for business owners a financial strategy must be built around their business and how it fits into their lifetime objectives. A business can represent the greatest asset a client owns, or it can become the largest problem in a poorly-assembled estate or financial plan. Since our approach is holistic, we recognize that a profit sharing pension plan or any particular investment recommendation may be insufficient when put in the context of a business transfer strategy, executive retention plan, or long-term business growth objective. Additionally, while some strategies may have been appropriate when implemented, reviewing them for current sufficiency and progress towards a stated goal is critical to stay on track. Business Planning Services Business Continuation Strategies Buy-Sell Planning and Funding Informal Business Valuation Services Pension Plan Analysis with Evaluation Against “Successful” vs. “Popular” Plan Metrics Executive Benefit and Deferred Compensation Strategies, including Phantom Stock Plans and 409A Compliance 401(k) and Qualified Plan Design Assistance and Implementation 401(k) Enrollment and Education, 404(c) Fiduciary Relief, 408(b)(2) Disclosures 412(e)(3) Plans, Profit Sharing Plans, SEPs, SIMPLEs Voluntary Employee Financial Seminars Own-occupation Disability Protection Multi-Life Guaranteed Standard Issue Own-occupation Disability Protection Corporate Debt Protection Disability Overhead Expense Coverage Employer-paid Long Term Care Group Health Care and Ancillary Benefits We believe evaluating a business owner’s financial strategies related to protection, liquidity, human and asset retention, and business continuation is critical to real success. David M. Edwards & Associates Financial Services, Inc., does not give legal or tax advice. You should consult your tax or legal advisor regarding your individual situation.