“Insurance can play a vital role in one’s financial plan..”

Section 79 Tax-Advantaged Benefit Plans for Small Business Owners and Employees   Internal Revenue Code Section 79 allows C Corporations to offer a specially designed series of benefits for both owners and their employees on a tax-deductible basis, including group term life insurance and supplemental retirement funding.   Owners and employees of a C Corporation  Owners and employees of a LLC taxed as a C Corporation  Owners and employees who hold 2% or less of pass-through entities stock Contributions up to $200,000 annual Can create incremental tax advantage savings Provide liquidity for estate tax purposes and charitable gifts

Risk Management Initiatives   Critical Risk Management Initiatives for Business Owners   Taking the appropriate steps to mitigate risk is just as critical to your financial future as the many things you do everyday to generate income and create savings.   Three critical risk management initiatives may be able to help you preserve and protect your current income stream, the value of your business and the financial security of your family. Specifically, selecting the appropriate disability, long-term care and life insurance coverage should help you offset serious threats to your wealth.

The advantages of having Insurance:

• Providing financial protection for your loved ones or your business

• Having an income replacement mechanism in place in case something happens to you

• Can provide supplemental retirement income

• Growth on account value that can be used as a financial resource

• Opportunity to generate Tax-deferred asset accumulation

• Efficient wealth transfer solutions

• A funding vehicle for business owners

A sound risk management strategy provides you with the peace of mind to focus on your business, confident in the knowledge that the most suitable mechanisms have been put in place to secure future income in the case of unexpected events. Risk management makes strategic use of insurance as a vital component of a truly integrated financial plan, which also maximizes your insurance purchasing power

SWC employs an unbiased approach to evaluating insurance programs and providers, seeking to identify the appropriate solutions for your unique personal, professional and investment needs. To mitigate the risk of outliving your retirement accumulation, we also make available fixed-rate annuities and bond or equity-indexed annuities that are backed by the full faith and credit of the insurance company.

We will help you answer questions like:

• Do I need Life Insurance?
• What are the differences between the different types of Insurance?
• What role does Life Insurance play in helping me protect my retirement?
• What Premium amount is right for me?

What questions are important that I should know when comparing Life Insurance polices?