Business Solutions

We can help business owners to identify and prioritize the protection and financial strategies that are critical to the ongoing success of the business- throughout every stage of the business. Most businesses evolve though four distinct stages, Start-up, Growth, Maturity and Transfer. Depending upon the stage your business is in, there are different business planning needs that we can work together to help address.

Business Succession

Personal Protection Planning

There are steps you can take as a business owner to help mitigate some of the risks that can threaten the viability of your business, such as:

  • Creating a cash reserve

  • Protecting the business’ cash flow via disability income insurance and key man employee insurance

This is the strategy for how you will transfer the business when one of the owners is ready to step down or if something unexpected happens to one of the owners. This includes:

  • Drafting and properly funding a buy-sell agreement

  • Identifying a successor to the business

  • Determining the value of the business

We help ensure that your protection planning extends beyond the business and to your family and heirs, including:

  • Protecting your income stream

  • Planning for retirement

  • Developing an estate plan*

The importance of having benefit plans in place to encourage top talent to join the firm, stay loyal and keep the business ahead of the competition can never be overstated. This includes:

  • Offering employer-sponsored retirement plans

  • Providing selective benefit packages to top performers

  • Reviewing the way to help manage the cost of employee benefit plans

Risk Management

Employee Benefits


13455 Noel Rd. 20th Floor

Dallas, TX 75240​

Fax: 972.246.1899

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© 2017 Spectrum Financial Group.

*FORTUNE and FORTUNE 500 are registered trademarks of Time Inc. and are used under license. From FORTUNE Magazine, June 2019. © 2019 Time Inc. Used under license. FORTUNE and Time Inc. are not affiliated with, and do not endorse products or services with Massmutual. 

***Registered Representatives do not provide tax and/ or legal advice. Clients should confer with their qualified legal advisors as appropriate for their specific Estate planning circumstances. 

Securities, investment advisory and financial planning services are offered through qualified registered representatives of MML Investors Services, LLC. Member SIPC Supervisory address: 13455 Noel Rd. 20th Floor Dallas, TX 75240 972.458.9907 - CRN202203-260265

*IMPLEMENTATION: The client is free to implement the plan recommendation with whomever he/she chooses

**REVIEW: Periodic reviews or updates require a new agreement and may be subject to additional fees.