Beruflich Dokumente
Kultur Dokumente
An overview of concerns and issues you face as a business owner, manager and employer from your point of view.
Confidential for:
Name: ______________________________ Date: _______________________________
A0CD-0401-05
E C C
William Ipema
Employers Resource Group, Inc. 5900 Down Valley Court, Suite 100 Austin, Texas 78731
Jonathan de la Cruz
Ageas Insurance Company Asia Limited Office: 458-1719 Suite 706-8, (512) World Finance Centre South Harbour City Fax: Tower, (512) 458-1769 Tsim Shat Tsui, Kowloon Mobile: (972) 489-6792 Hong Kong
Email: wipema@htk.com
Registered Representative of and securities and investment advisory services offered through Hornor, Townsend & Kent, Inc. (HTK) Registered Investment Advisor Member FINRA/SIPC. HTK is wholly owned subsidiary of Penn Mutual. Employers Resource Group, Inc. is independent of HTK.
Tel: (852) 2172 2700 Mobile: (852) 9039 4149 Email: jonathan.cruz@ageasagents.com
Business Data
Full Name: ________________________________ DOB: ____/____/______ Name of Business: _______________________________________________ Business Address: _______________________________________________ City: _______________________ ST: ______ Zip: _____________________ Nature of Business: ______________________________________________ Job Title: _______________________________________________________ Phone (Bus): (_____)______-________ Phone (Res): (_____)_____-_________ No. of Shareholders: ________ Is your spouse active in the business? Do you have children? Yes No Bus Fax: (_____)______-________ Years in Business: ________ No. of Employees: ________ Yes No Yes No
Please select the appropriate boxes below. Type of Business The business is: Sole Proprietorship Starting up Partnership Expanding rapidly Corporation (Family) Growing steadily Corporation (Shareholder) Stable Other________________ Currently declining My ownership position is: 100% 75% to 99% 50% to 74% 25% to 49% Less than 25% My property assets include: Personal residence Vacation property Land and buildings Farming property Revenue property My personal income is taken as: Salary Dividends Bonus Shareholder loans Other ________________ Other assets include: Guaranteed certificates Life insurance Tax deferred plans Stocks, bonds, investment funds Other business(s)
My Views
Please check the boxes that reflect your personal views. A = Essential B = Fairly Important C = Of Little Value D = Not Applicable
A B C D
1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. For my personal satisfaction, owning a business is... Taking time to plan for the success of my business is... I believe special incentives for key employees are... Helping provide for employee financial security is... To reduce turnover, an employee benefit plan is... Special benefit plans for shareholders are... My spouses involvement in operating my business is... Having family members actively involved in operating my business is... Planning for financial security outside my business is... Having the business provide family income in the event of my disability or retirement is... A strategy to plan for my exit from the business is... Guaranteeing full value of my business to my heirs is... Continued ownership of my business by my heirs is... In the event of my death, having the business provide for my family is... Having my will, estate plans and business continuation agreements fully integrated is... A complete understanding of my current situation and future plans by my legal advisor is... Financial and tax advice from my accountant is... A complete understanding of my current situation and future plans by my accountant is... Business insurance, employee benefits and retirement planning advice from my insurance advisor is...
Issues as an Employer
Please check the boxes that reflect your personal views. Y = Yes N = No ? = Not Sure X = Not Applicable
Y N ? X 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. I feel it is important to help my employees plan for their personal financial future. I believe my employees should be encouraged to save for retirement. I have installed a retirement income benefit program for my employees. Our pension plan provides an adequate income for retiring employees. Each qualified employee will receive a continuing income in the event of a disability. Our company benefit plan has supplemental benefits for key employees. Our company benefit plan helps reduce turnover. We have a formal plan in place to share profits with our most productive employees. My employees appreciate the value of the benefits program the company provides. Our company benefit plan is easy to administer. I am happy with the claims service I receive on my company business plan. I am concerned about the overall cost of the employee benefit plan. I know the company benefit plan is competitive from a cost standpoint. I believe the company benefit plan is a good value. I value the advice provided by my employee benefits advisor. I require assistance in reviewing my company benefit plan.
Issues as an Individual
Please check the boxes that reflect your personal views. Y = Yes N = No ? = Not Sure X = Not Applicable
Y N ? X 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. I am satisfied with my rate of personal savings and investment accumulation. My personal loan payments are fully protected by disability insurance. I have an alternative source of personal income in the event of an extended disability. My personal guarantees are documented and insured in the event of my disability or death. My spouse and I are well informed about the benefits of planning our estate. I have appointed a guardian for my dependent children. My executor is familiar with the contents and location of my will and estate plan. My will and my life insurance program are consistent with the requirements of my estate plan. All my beneficiary designations are up to date. I have made specific financial arrangements to provide for my children and/or grandchildren. I am concerned about the taxes applied to my estate. I maximize my tax deferral contributions each year. I have accurately projected my retirement income needs and sources. I have a clear understanding of the impact of inflation on my future retirement income. I have built adequate retirement assets outside of my business. I require assistance in reviewing my personal financial security.
Changes
In the next year I plan to:
Start a new business Buy another business Expand the business Invest more money in the business Take on a new partner Bring a family member into the business Change my role in the company Borrow money Purchase property for the business Buy personal property Find a new legal advisor Find a new accountant Find a new banker Find a new employee benefit advisor Find a new business insurance advisor Pay off a loan Sell business property Sell the business Retire from the business.
Review Status
Last buy/sell agreement review More than 3 years ago 1 to 3 years ago Last will planning review More than 3 years ago 1 to 3 years ago Last insurance review More than 3 years ago 1 to 3 years ago Last company benefit review More than 3 years ago 1 to 3 years ago
10
Other Issues
11
Notes