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Financial guidance for business owners
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Protect yourself from financial ruin
Make sensible provisions for untimely death and disability in cost-effective ways. 
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Financial security for small business owners with BIG goals

Properly designed insurance* can help protect your plan from derailing in cost-effective ways. We have access to virtually all carriers and can help you select a product that best fits your specific needs. 
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* We offer life insurance, disability insurance, long-term care insurance, and annuities for individuals, families, and businesses. 

Make provisions to protect yourself, your family, and your business

Sensible insurance planning requires knowledge of the science behind insurance. It's not rocket science, but it is a science.
Business owners
Are there people in your life (like your family) who depend on your income? Does it matter financially if your income stops today? If you become too sick to work, do you have a plan in place to cover your business overhead?​
Key employees
You probably have a few people whose roles are critical to the success of your business. (This often includes you, the owner.) Would your business suffer financially if they die? Have you made provisions so your business can continue with minimal disruption?​
Business partners
Did you know that if your business partner dies, their spouse becomes your new partner? Are you prepared to work with them? If not, do you have cash to buy them out? Or, if your partner is too sick to work, will you be able (or willing) to continue paying them? 
Taxable estates
When it's time to pay estate tax (due 9 months after death), will your estate have enough cash so your heirs can pay the tax? Or, will they need to sell your assets in a hurry at a deep discount to come up with the money quickly? 
Healthy individuals
As absurd as it might sound, financially speaking, there is such a thing as living too long. By living longer than expected, you run the risk of outliving your money (called longevity risk). Make sensible provisions to hedge against the risk of outliving your money.
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Advisory services offered through CS Planning Corp, an SEC registered investment advisor.
Accounting and tax services offered through Elliott Bay Advisors LLC.
Insurance products offered through Elliott Bay Insurance LLC.
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206.486.8700 ext. 703
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