Integrating Personal and Business Plans

Many business owners have both a personal financial plan and a business financial plan, as well they should. What’s alarming though, is that many people don’t realize the importance of intertwining the two plans. The thoughtfully constructed personal financial plan should include a business plan. In turn, each of the objectives of the business plan affects aspects of the personal financial plan. To look at one plan without considering the other can be detrimental to one’s financial future.

A)    1. “How Should Affluent Individuals Protect their Financial Achievements and assure their Long Term Goals?”

2. “How Should Corporations Prepare For Leadership and Financial Contingencies?”

B)    “How Should Corporations Maximize the Value of Retirement Plan Benefits?”

C)    “How Should Family Businesses Secure the Best Future for the Companies they have built?”

D)    “How Should Affluent Families control the Value of Their Legacy Over Generations”


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Business Exit Strategies

“At some point, every owner leaves his or her business – voluntarily or otherwise. At that time, every owner wants to receive the maximum amount of money in order to accomplish personal, financial, and estate planning goals.”   

 ~ John H. Brown

Owners begin thinking about the Exit Planning process when two streams of thought begin to converge. The first stream is a feeling that you want to do something besides go to work everyday—either you would like to be someplace else—doing something else—or you simply no longer get the same kick out of doing what you are doing. The second stream is the general awareness that you are either approaching financial independence, or making significant strides toward reaching that goal, or can achieve financial independence by selling your business.

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Executive Benefits

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 benefit package that fits your corporate objectives – while meeting regulatory requirements.

  • Remain competitive by attracting, retaining, and rewarding top executives who have the ability to make a difference in your bottom line. 

    Value drivers white paper

  • Provide Incentives to encourage executives to stay with your company.

    Short term incentives white paper

  • Create management benefit packages that motivate long term performance.

    Incentive planning white paper

  • Provide retirement benefits commensurate with pre-retirement pay levels – while overcoming limitations and restrictions imposed by traditional pension, profit-sharing and welfare benefit plans.

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Qualified Plans

How should corporations maximize the value of retirement plan benefits? 

Over the past decade, the environment for company-sponsored retirement plans has shifted from defined benefits plans to the dominance of the 401(k). As popular as the 401(k) remains, these plans have given rise to consistent complaints. 

For example, employers and employees alike are concerned when they cannot get timely, accurate data on the status of the plan. Employees may perceive a lack of investment diversity to meet their allocation needs. And highly paid employees may become frustrated when their contributions are limited by low participation among the general employee population. 

If your plan suffers from these problems, you can overcome them at the design level. Using an ideal plan design as the starting point, your plan could include...

  • Complete Investment Independence
  • Assessing fiduciary responsibility 
  • Daily valuations of account balances for all participants.
  • Internet or toll-free participant access to account balance.

  • Fiduciary compliance expertise designed to protect and insulate the plan sponsor from potential corporate and personal liability.

  • Mutual fund record-keeping fee offsets designed to lower employer costs.

  • Customized employee education programs.

“How should Corporations Maximize value of retirement benefit plans

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Financial Planning 

Your Wealth Should Be Aligned in Such A Way That it Enables Your Life, Not the Other Way Around …………

Eagle Strategies LLC, A Registered Investment Adviser, offers an objective, fee-based approach to financial planning. The solutions we recommend and the strategies you decide to implement will depend upon your personal circumstances and objectives. You may choose to work with me on a comprehensive basis or limit the scope and focus of the plan to help you achieve one or more of your goals.


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Retirement Planning

The amount you will need in retirement depends on the age you plan to retire, your desired retirement lifestyle, how long you expect to live and the rate of return that you expect to earn on your investments. Social Security and employer-sponsored pension plans will probably provide less of what you will need than they did for your parents. Consideration should be given to one or more of the following strategies when trying to maximize your retirement income:

  • Clearly prioritized retirement goals and objectives

  • Retirement at a later age

  • Saving more

  • Spending less during retirement

  • Invest to earn a potentially higher rate of return on investments while still feeling comfortable with the level of risk involved

  • Liquidation of non-cash assets

  • Social Security

  • Maximize contributions to qualified retirement plans

  • Invest in IRA

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Portfolio Management

You can now receive the same portfolio management services as many institutional investors-whether it is a separately managed account or a mutual fund wrap portfolio.


Some benefits of managed portfolios include:

  • Providing access to top-tier investment management professionals
  • Tailored portfolios to meet specific investment needs
  • Ownership of individual securities – allowing for significant flexibility in controlling tax exposure
  • Ease of pre-designed mutual fund portfolios

Every investor is unique, and investment advisory services provide you with professional investment advice and a personalized investment strategy Whether you’re seeking a tailored, professionally managed portfolio, or the convenience and simplicity of a diversified mutual fund wrap program, your investment choice should focus on meeting your financial goals. During this process, you should consider current and future growth objectives, income needs, time horizon and risk tolerance. These considerations form the blueprint for developing a portfolio management strategy. The process involves, but is not limited to, the following important stages.

  • Set investment objectives
  • Develop an asset allocation strategy
  • Evaluate/Select investment vehicle
  • Portfolio review – Ongoing portfolio monitoring  


Wealth Preservation/Estate Planning


What you value may be more important than what you own. To follow through on your commitments -- to yourself, your family, and your ideals -- you need to Develop or Review your Estate plan. A personalized estate plan is important in helping to protect your family and your legacy.

A well-constructed strategy can help address your specific estate planning needs including:

  • Minimizing income and estate taxes
  • Transferring wealth from one generation to the next
  • Developing charitable gifting strategies
  • Aligning existing portfolios and retirement accounts with your estate plan

“How should Affluent Individuals protect their financial Achievements

“How should Affluent Families control the value of their legacyover generations?”


Risk Management




A sound financial plan must address the insurance coverage you, your spouse and family members may require.

  • Life insurance is used to pay for funeral expenses, repay outstanding debts, make charitable donations and provide living expenses for surviving family members. It can also be used to cover estate taxes and probate fees to enable your estate to be liquidated in the most appropriate manner.

  •  Disability income insurance§ is to help partially replace income of persons who are unable to work because of sickness or accident. In terms of its financial effect on the family, long-term disability can be just as severe as death. Disability income protection can come from several sources: social insurance programs, employer-provided benefits, and individually purchased policies.

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Education Funding

Education planning for your children can be a major financial consideration. Planning early allows you to take advantage of the time value of money and help minimize the savings requirement.

Consideration should be given to one or more of the following strategies when trying to maximize your college planning:

  • Prioritize your education objective with your insurance needs, retirement needs, major purchases and current income needs
  • Develop an effective savings strategy that considers asset allocation and takes advantage of education plans
  • Consider the various education funding accounts -- Qualified State Tuition Plans (also known as 529 Plans#), Uniform Transfer to Minor Accounts (UTMA) / Uniform Gifts to Minor Accounts (UGMA), Coverdell Educational savings accounts and prepaid tuition plans.
  • 529 Higher Education Chart
  • Ensure college expenses are properly planned -- include tuition, room and board and living expenses. Factor in an inflation rate for the rising cost of tuition. Should you consider planning for post-graduate studies? Do you expect your child/children to receive scholarships or financial aid?   

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Charitable Planning

Gifting strategies may be used as a means of distributing your estate and effectively reducing estate taxes upon death. Most taxpayers can accomplish significant estate planning objectives simply by taking advantage of lifetime giving which includes making maximum use of the annual exclusion, lifetime use of the applicable exclusion amount and lifetime taxable gifts.

Considerations should be given to one or more of the following strategies when trying to minimize estate taxes and maximize the net distributions from your estate to family, friends and charities:

  • Grantor Retained Trusts - allows you to remove appreciating property from your estate thus reducing estate taxes. Once the property is transferred to the trust, the grantor (donor) retains interest in the property for the term specified. The grantor receives payments based on the value of the assets in the trust. The property, including any appreciation in value, passes to the beneficiaries without further gift or estate tax consequences.
  • Charitable Remainder Trusts - allows you to donate property and assets to a trust and reserve an income stream in the trust for a specified period. The trust provides an income to you or any designated non-charitable beneficiaries with the remainder interest being transferred to a qualified charity at the end of the term.
  • Charitable Lead Trusts - allows you to designate charities to receive an income stream during term of the trust. At the end of the term, the ultimate beneficiaries are your heirs.

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Please be sure to consult your tax advisor & attorney regarding your particular situation.

#Securities offered through NYLIFE Securities LLC. (member FINRA/SIPC).

*Neither Eagle Strategies LLC nor any of its affiliates provide legal, tax or accounting advice. Please contact your own advisors for more information on your particular situation.




§Products available through one or more carriers not affiliated with New York Life, dependent on carrier authorization and product availability in your state or locality.