Are You Protecting What You Have?


Many small business owners purchase insurance to protect their assets from risks unique to them. Do you:


• Understand the types of risks that you are facing in your small business?


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• Own insurance and regularly review to minimize the impact of your business risks, if they should happen?


• Examples of insurance small business owners have include:


• Liability insurance • Property insurance


• Business interruption insurance – for lost income and overhead expenses during a disaster


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• Life and disability insurance – for employees as a fringe benefit and/or for business purposes like fund- ing a succession plan, in case there is a loss of a key person, or collateral for a loan


• Worker’s compensation insurance – for businesses with three or more employees


• Health insurance Are You Keeping The End In Sight?


Even if you can’t imagine life without running your business, it is essential to think about what would happen if you could not manage it due to disability, retirement, or death.


Do you:


• Have a business succession plan that considers both who has the skills, authority, and interest in running the business and how the transfer might take place? If you plan to sell, do you know how your successor will come up with the funds?


• Maintain a retirement plan? Depending on the plan you own, you may be able to reduce your tax obligations today and benefit from tax-deferred growth on the money you save in your plan.


There are a variety of retirement plans available, from SIMPLE and SEP IRAs to Individual 401ks and Profit Sharing Plans. Your accountant and Certified Financial PlannerTM


help you analyze your retirement plan options to determine which plan is best for your situation.


Caroline Wetzel is a Certified Financial PlannerTM (CFP®) and Vice President, Private Wealth Advisor with Procyon Private Wealth Partners, LLC. Procyon Private Wealth Partners, LLC and Procyon Institu- tional Partners, LLC (collectively "Procyon Part- ners") are registered investment advisors with the


U.S. Securities and Exchange Commission (“SEC”). This article is provided for informational purposes only and for the intended recipient[s] only. This article is derived from numerous sources, which are believed to be reliable, but not audited by Procyon for accuracy. This article may also include opinions and forward- looking statements which may not come to pass. Information is at a point in time and subject to change. Procyon Partners does not provide tax or legal advice. See ad on page 25.


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