Wednesday, November 25, 2020

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Posted March 04, 2020in Financial Strategies

NQDC: The Human Capital Edge

Your number one asset as a business owner or executive is Human Capital. The market has never before been more competitive for top talent with unemployment in central Iowa at 2.4 percent and experienced leadership coveted by current employers. You need an edge in the recruiting game! 92 percent of

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Posted February 05, 2020in Financial Strategies

The SECURE Act — What you need to know

Attached to the spending bill in late 2019 the President signed into law the most sweeping financial legislation since the Pension Protection Act of 2006. Designed to improve American’s ability to save and to increase access to employer sponsored retirement plans, the SECURE Act provides key incentives to both individuals

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Posted January 01, 2020in Financial Strategies

Boosting Return on Surplus Corporate Capital

Recent interest rate compression has left many in the C Suite scratching their heads on how to access reasonable rates of return for corporate held assets. These accounts may be earmarked for many reasons, some with short term goals and others with infinite time horizons. In many cases these reserves

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Posted December 04, 2019in Financial Strategies

Key Person Insurance

Imagine, receiving a phone call from the spouse of your business partner or star employee… “Grace is not coming into work today. She passed away last night unexpectedly.” A nightmare scenario on many levels. At a time when you are dealing with the personal and operational angst of losing a

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Posted November 06, 2019in Financial Strategies

The value of a formal valuation

Most owners have an idea of what they think their business is worth. In most cases they have their accountant or trusted advisor work through a valuation formula that gives a “good for now” number. Book Value, Discounted Cash Flow, Leveraged Buyout, EBITDA, Comparable Business and Market Cap are only

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Posted October 02, 2019in Financial Strategies

Corporate Citizenship ROI

Des Moines is an amazing place to live, work and raise a family. This is due to many factors, but I believe our culture of corporate support for charitable organizations has a major impact. Unfortunately, due to “Donor Fatigue,” Tax Law and the relocation of philanthropic decision makers, total annual

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Posted September 04, 2019in Financial Strategies

“Financial Wellness” …UUGGGHHH Not again!

If you own a company or reside in the C Suite, you have been bombarded by your benefits provider with the term “Financial Wellness.” You hear the same old story about how financially stressed employees are costing you profits by way of low productivity, increased healthcare costs, turnover and absenteeism.

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Posted July 31, 2019in Financial Strategies

You are personally liable

Many business owners and executives fail to realize the personal liability that comes with association and administration of a 401(k) plan. In recent lawsuits, the named defendants include the company, the investment committee and the owner and HR director personally as well as any executives with decision making power over

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Posted July 03, 2019in Financial Strategies

Start your succession planning NOW!

Family-owned businesses represent 64 percent of our country’s GDP. 40 percent of those companies will experience a change of ownership in the next 15 years and the unfortunate reality is that only 30 percent will transfer successfully. In fact, only 12 percent of today’s business will be viable past the

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Posted June 05, 2019in Financial Strategies

Defer up to $250,000 in Taxable Income per Year

I am amazed at how many high income business owners I work with who do notunderstand the concept of defined benefit plans. Traditional pension and cash balance plans allow for owners and executives to shelter large amounts ofincome on an annual basis with plan designs that can maximize their contributions

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