Business Owner Solutions

As a business owner you not only want your business to thrive… but survive. Having the right plan in place for retirement or as a defense against unforeseen calamity is key to protecting the company you worked so hard to build. At SYNC we are proud to offer some of the most sophisticated planning solutions you will find anywhere.

Business Valuations

Ever wanted to know what your business is worth? SYNC can provide you with an Informal Business Valuation to give you an idea of exactly how much there is to protect.

Buy-Sell Strategies

Buy-sell strategies for business succession are designed to help business owners plan for future contingencies that may impact their ability to meet their long-term financial goals. A funded buy-sell agreement can be an essential planning tool to help enhance the stability and financial value of a closely held business.


Transfer strategies are designed for business owners who have a current need to transfer ownership of their business. These strategies provide a means to meet a business’ capital transfer needs.

Key Person

The most valuable assets of any business are often the key people who contribute most to its success. If their loss would create a financial burden that puts the business at risk, a key person insurance policy is a simple and efficient solution. With key person insurance, your business is the owner and beneficiary of a life insurance policy for each key employee chosen, which can include business owners. If the unexpected does happen, the business receives cash, generally income tax free, to help overcome the financial burden of the loss.


Disability Buy-Out (DBO) insurance funds a buy-sell agreement to buy out a totally disabled business owner. This coverage maximizes financial return when a business is transferred and minimizes its tax liability.


Overhead Expense (OE) insurance reimburses a business owner for business expenses incurred during a disability. This coverage helps owners keep their businesses running when they are too sick or hurt to work. Covered expenses are typically those that are deductible for federal income tax purposes, such as premiums for malpractice insurance, mortgage/rent, salaries, utilities, water and more.