Clients

Business Owners

Here at Sledge & Company, we offer a wide array of services to help business owners address their financial needs at every stage of the business life cycle. Taking into account their personal values and financial goals, we create and execute customized plans to help entrepreneurs meet their objectives. Some of our key services are detailed below.

Executive Benefits

The success of most businesses is tied into the talent, passion and work ethics of their key executives. Executive benefit packages can help you attract, motivate, and retain high-caliber employees and keep your company healthy and stable. We can help you with non-qualified plans, supplemental employee retirement plans, split dollar plans, and more.

Succession Planning

Succession planning allows owners to leave their business on their own timeframe while preparing their company to be transferred to family members, key employees, an outside party, or even a charity. This must be done in a way that achieves personal financial security, maintains harmony, and achieves maximum value for the business.

Key Person Insurance

Key person life insurance offers a death benefit that indemnifies an employer for the loss of one of its most important assets - the key person. This can help assure continuity of the business for employees, customers and creditors, and protects against losses in sales, momentum, and credit. It can also be used to recruit and develop a replacement for the employee.

Buy-Sell Agreements

A buy–sell agreement is a legally binding agreement between co-owners of a business that governs the situation if a co-owner dies or leaves the business, whether by force or by choice. A funded cross-purchase buy-sell plan utilizes life insurance to ensure that the arrangement is properly funded so that there will be money when the event is triggered.

Deferred Compensation

Deferred compensation is a written agreement between an employer and an employee where the employee chooses to have part of his or her compensation withheld by the company, invested on their behalf, and distributed back to them at a pre-determined point in the future. Deferred compensation can be used as a flexible way to attract and incentivize key employees.

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Professionals

We are here to help guide you through the often overwhelming process of creating a long-term wealth conservation strategy. We will work with you to:

Review

Review your individual situation and personal objectives. Every family’s financial situation is unique, that is why it is so important to find out as much as we can about you and your financial goals early in the process. The more we know about you, and your aspirations, the more precise our recommendations will be for your future financial success. As a result, we will take the time to listen and discuss your hopes, dreams and objectives — the things that really matter to you.

Analyze

Analyze and review your needs. We will work with you to identify and prioritize your objectives, and then help establish benchmark goals. This is important because we live in a world of unlimited choices. People often fail to achieve objectives because they try to accomplish too much at once, or they do not attach specific deadlines to their goals.

Develop

Develop and implement a strategy to help you achieve your goals. Based on our conversation and analysis, we will recommend some insurance and financial products that can help you achieve your individual goals.

Coordinate

Coordinate your financial activities. We can also coordinate your insurance and financial activities for you with the other members of your team of financial, tax and legal advisors.

Monitor

Monitor progress; provide ongoing service as your needs and situation change over time. Planning is not merely a single document, it is evolutionary and should be ongoing as needs change over time. We will work with you over the years to help keep your wealth conservation goals on track with your changing requirements.

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Executives

Staying ahead in today’s marketplace isn’t easy. Competitive pressure, corporate governance issues, changes in legislation and tax reform have changed the way executives are compensated. Attracting and retaining the best talent to help grow your company requires a comprehensive executive benefit package that fits your corporate objectives — while meeting regulatory requirements.

Our planning process consists of these seven steps:

Discuss

The first step is to consider the makeup of your executive group and the details of any existing plans within the context of your corporate objectives.

Design

Once we understand your needs and help you crystallize your objectives, we design a preliminary program for your consideration.

Fund

Next, we help design funding and security devices, and together with you, evaluate the plan based on benefits, cash flow, P&L impact, capital impact, benefit security and other factors.

Finalize

Based on modifications made in Steps 2 and 3, we finalize the plan design.

Analyze

Next, we analyze alternative financing options, fund vehicle design, and selection of most appropriate funding providers.

Implement

After the plan design is approved, we assist with documentation, adoption, communication and participant enrollment.

Administration

Equally important is to set up systems to provide record keeping, cash flow and P&L projections, reporting and regulatory disclosure.

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Families

Sledge & Company provides individuals and families with innovative, cutting-edge products and services to help them grow, protect and conserve their wealth through all stages in life. Taking into account your needs, goals and tolerance to risk, we will work with you to bring clarity to where you’re going and how to get there. Some of our key services are detailed below.

Estate Planning

A well-engineered estate conservation plan can minimize tax liability and ensure that loved ones are protected. We will work with you and your other advisors to assess the impact of state and federal taxes on your estate and suggest strategies to help minimize those taxes while meeting your personal philosophies and family needs.

Asset Protection

There are numerous financial strategies and retirement income plans that can help you accumulate assets for the future, shield your business and personal assets from creditors, and safeguard asset transfer to children and grandchildren. We can help you figure out what the right course of action is for your specific situation and objectives.

Disability and Long Term Care

To execute a sound retirement strategy, asset and income protection are a must. Designing a plan that encompasses long term care insurance and disability insurance can create the necessary balance in a portfolio to ensure stability and protection of assets.

401(k) and IRA Rollovers

When you leave a job or retire, you have a decision to make regarding your 401(k) money. While leaving those assets in the former employer’s plan is an option, a rollover should be a strong consideration. We can help you determine the right course of action for you.

Charitable Planning

Charitable planning allows you to support the organizations and causes that matter to you, while providing immediate income streams and reducing your tax burden. Numerous charitable giving strategies exist, and we can help you design and execute a charitable giving plan that is in alignment with your personal and philanthropic goals.

 

A Message From Taylor Sledge During the COVID-19 Crisis

3 things that will make a difference for you, your family, and your business