Business Owners

At Creative Risk Management we understand that the personal finances of a business owner are likely to be irrevocably intertwined with their business. Because of this, business owners need a holistic financial advisor who can understand and coordinate the different resources and issues involved in personal and business finances. CRM is an independent financial consulting firm that provides our clients with a full menu of corporate benefit resources and comprehensive services. We develop strategies to help meet your business objectives. Our clients benefit from the depth of our knowledge in the area of corporate benefits and the diversity of our offerings, as well as from a team of professionals whose approach is always client centered. As a completely independent financial firm, we endeavour to provide clients with the appropriate solutions and products for their needs. Because of our national partnerships you profit from highly leveraged relationships and benefit from an expansive portfolio of products, resources, technology and solutions to any challenges you may face


EMPLOYEE BENEFITS
A competitive employee benefits package within your industry is crucial to the success of any business. Creative Risk Management, LLC (CRM) can provide solutions to your Human Resources and benefit design needs by offering unique plan designs, proprietary products and carrier relationships that facilitate your organizations productivity. And because we are relationship driven, we work to keep you informed, efficient, effective and positioned to take advantage of opportunities in the marketplace. We can help you with:

  • Medical Insurance – HSA’s & HRA’s
  • Dental and Vision insurance
  • Life
  • Life, Short & Long Term Disability insurance
  • Long Term Care insurance
  • Voluntary Benefits
  • Employee Education and Assistance
  • Human Resources Consulting


EXECUTIVE BENEFITS
Your key people are your most valuable asset. CRM helps you find the best solutions to help you recruit, retain and reward your top talent. We work in the following areas:

  • Non-qualified Deferred Compensation
  • Supplemental Executive Retirement Plans
  • Split-Dollar plans
  • Long-Term Care Programs
  • Supplemental Disability Plans
  • Compensation Consulting


INTEGRATED RETIREMENT SERVICES
CRM works with you to design and manage retirement plans that:

  • Maximize tax savings
  • Are cost effective
  • Limit Liability

We customize plans that best suit your needs. Retirement plans include:

  • 401(k)
  • Age Weighted
  • Profit Sharing
  • Money Purchase Pension
  • Defined Benefits

CONTINGENCY PLANNING -CORPORATE  AND FAMILY STRATEGIES
CRM specializes in contingency planning for businesses and high net worth individuals. What is contingencyplanning? It is a professional evaluation of the possible eventualities that can face a business owneror individual and the design of strategies that will be put in place to address the consequences of those situations. We understand that our clients simply do not have the time nor knowledge to do this kind of planning. Our role is to do it for them and make sure they have the confidence that comes with having done all they can to provide a future for themselves and their families. We find that most business owners know their business is their biggest financial asset; they just don’t treat it like it is. That’s because they are too busy working in their business to be able to fully concentrate on their financial picture. At Creative Risk Management we help you answer these important questions:

  • What are your retirement goals? Have you even thought about what it will take to reach them?
  • Do you know what your business is worth today, in cash?
  • Do you know the best way to help maximize the income stream generated by your business?
  • Do you know how to transfer your business to family members, co-owners, or employees while
  • attempting to gain maximum financial security and pay minimal taxes?
  • Do you know how to sell your business to a third party while attempting and pay the least amount of taxes?
  • Do you have a personal financial plan to help make sure your family is secure if the unexpected happens to you?