Revenue Objectives Int'l., LLC.
Click here to Advanced Management of Information Technology "IT"
Why ROI?
Click here for additional Payroll and Integrated Services Information
Click here for access to additional "Worksite" Products for Employers
All Markel Plans include....
Call a Dr. from home and get your prescription sent to you or your pharmacy.....
IQ Age Banded Individual Guaranteed Issue SE IQ 3+ Group Guaranteed Issue SE
Click here for Merchant Services i.e. credit/debit card processing, check conversion w/wo guarantee, E-commerce, mobile peripherals, wireless, etc.
Small / Medium Business Protection Planning
Click for "Needs" Calculations from Allianz
Information and interactive calculators are made available as self-help tools for independent use and are not guaranteed for their accuracy or their applicability to any individual circumstances. You
are encouraged to seek personalized advice from qualified professionals regarding all personal
finance issues. This analysis is based solely onthe information provided by you. All examples, if
any, are hypothetical and for illustrative purposes and do not represent current or future
performance of any specific investment. No guarantees are made as to the accuracy of any projection.
Click for Retirement Overview then Click for free Retirement "Workbook"
Click for small business Retirement Plans Click to Re-engineer retirement w/ Roth IRA
(opens in PowerPoint, click on "slideshow", then click "start from beginning")
Fact Finding for Business Planning Business Planning Overview
Click for "Business Family Succession Planning"
(if opens in PowerPoint, click on "slideshow", then "start from beginning")
Click for Estate Planning
(if opens in PowerPoint, click on "slideshow", then "start from beginning")
Success in business requires careful planning but there is one contingency that many businesses fail to plan for the death of a business owner or key employee. Whether your business is a sole proprietorship, a partnership, or a close corporation the death of a business owner or a key employee can be costly to your business and your family.
We offer specialized knowledge on an extensive array of innovative products and services for employee retirement programs. These plans are designed to help recruit, reward, and retain valued employees - they can also provide valuable tax advantages and large contributions for business owners.
- Profit Sharing / Pension Plans
- SEP / SIMPLE / Solo 401(k) Plans
- Defined Benefit Plans
- 412 (i) Plans
- 419 Plans
Executive Compensation and Business Success Planning
- 401(k) overlay plans
- Bonus Plans
- Split Dollar Plans
- Cost Sharing Plans
- Deferred Compensation Plans
- Buy/ Sell Agreements
Without proper planning, the premature death of a business owner could result in the business being liquidated, sold to outside parties, or surviving family members may have to become active in the business.
With the use of Financial Products, cash can be available to assist with the orderly, economical adjustments following the death of a business owner or key employee.
Before any decision is made, your attorney and tax advisors should be consulted and an attorney should prepare any business documents that may be needed.
An Indexed Universal Life insurance policy can provide the resources you need to regroup or re-build after the loss, should you lose a key employee or business partner to death.
Key Features of Universal Life Products:
Income tax-free death benefit – Choose either a level or increasing death benefit. The death benefit becomes payable when the insured dies and may be included in your estate for federal tax purposes.
Under current tax laws, there are generally no federal income taxes on life insurance death benefits paid to your beneficiaries. In addition, money that accumulates in a life insurance policy grows tax-deferred. That means you don't pay taxes on the growth on your policy until you take it out.
Premium payment flexibility –Always consult with a tax advisor before making changes in the amount or frequency of premium payments as there may be federal tax consequences. Choose the amount and frequency of your premium payments.
Access to cash accumulation and benefits – Because any earnings are tax-deferred until you withdraw them from the policy, your policy account values have the potential to accumulate faster. You receive a guaranteed minimum rate of interest on the policy’s cash value.
You choose if you want your policy to Provide easy access to death benefit if the insured should become terminally ill.
Guarantee that your policy stays in force for 20 or 30 years-
Pay a benefit for each month you are totally disabled beyond a specific waiting period.
Allow the policy's mature date be extended at no extra cost.*
Affordability –Premiums may be more economical than certain other life insurance products because UL is designed for the long term.
Fixed Indexed Universal Life Insurance
Click for "Needs" Calculations
Information and interactive calculators are made available as self-help tools for independent use
and are not guaranteed for their accuracy or their applicability to any individual circumstances. You
are encouraged to seek personalized advice from qualified professionals regarding all personal
finance issues. This analysis is based solely onthe information provided by you. All examples, if
any, are hypothetical and for illustrative purposes and do not represent current or future
performance of any specific investment. No guarantees are made as to the accuracy of any projection.
FIUL Overview FIUL Products
Click for small business Retirement Plans Click to Re-engineer retirement w/ Roth IRA
(opens in PowerPoint, click on "slideshow", then click "start from beginning")
Not Legal/Accounting Advice
The information presented on this Web site is not to be construed as legal advice. Legal advice must be tailored to the specific circumstances of each case. Every effort has been made to assure that this information is up-to-date as of the date of publication. It is not intended to be a full and exhaustive explanation of the law in any area. This information is not intended as legal advice and may not be used as legal advice. It should not be used to replace the advice of your own legal counsel.