Small Business Opportunity

MassMutual has helped many business owners, like you, take the necessary steps to solve issues affecting your business. Whether your concerns include employee retention through the use of a 401(k) retirement plan, or insurance strategies to protect your business from unforseen events, such as the death of a key owner, we can offer the advice and guidance needed. We can also assist with the transition of your business to the next owner.

If there are any specific areas you'd like to address, please call Steve Odendahl, Operations Manager,  today at (303) 779-6523 or email: sodendahl@centennial-state.com.


 

For Your Employees

Employee Benefits

Nearly half of employees say they are counting on their employer to help them protect their financial security through  benefits such as health, dental, disability and life insurance.1

Employer Sponsored Retirement Plans

  An employer sponsored retirement plan, such as a 401(k), can help attract and retain employees. In addition, the plan can also offer the employer tax savings.

Workplace Employee Financial Education  

Financial education is wanted and needed by employees of all ages and incomes.1   Providing financial education programs for rank & file employees, management, and executives is a great value added benefit at no cost to the employer.

Executive Benefits  

These plans allow your business to offer a variety of additional benefits to select key employees you choose to cover. Such programs may include deferred compensation plans or other non-qualified plans.

For Your Business

Buy/Sell Agreement Funding

A must for assuring the smooth transition of your business should, you, a partner, or co-owner die or become disabled. We are also able to review existing agreements.

Business Loan Insurance  

In these days of tight credit, business loan insurance can be a big plus when it comes to securing a commercial loan.

Business Overhead Expense  

A tax-deductible method to arrange for reimbursement of qualified business overhead expenses during a period when an owner is unable to work in the business due to sickness or injury. It can help ensure that the business will continue to operate during the owner’s absence.

Key Person Insurance  

A key person life insurance policy may provide immediate liquidity in the event of a key employee’s unexpected death or disability. The policy may also provide the business with tax-advantage access to policy cash values in times of need, such as if the employee resigns or becomes disabled.

Business Succession Planning  

This agreement enables you to plan for the transfer of your business interest upon the occurrence of triggering events such as retirement, disability or death.

Business Valuation  

Your business may be your biggest asset; do you know how much it’s worth?

For You

Retirement Planning

Business owners often overlook personal planning strategies and how their business fits into their overall retirement plan. Consequently, you need a personal savings and investment plan for retirement.

Estate Conservation Strategies

Estate planning is more than determining who should inherit your assets or business and how they should inherit them. It allows you to create strategies to reduce or eliminate federal and/or state income, estate or inheritance taxes.

Charitable Giving Strategies

For many successful people, charitable giving is a way of giving something back. Charitable giving done as part of your overall estate plan, can provide current tax benefits for you, and future tax benefits for you and your heirs.


Employer Resources

MassMutual is committed to providing you with the right information to help support your decision-making, from analysis of benefits trends to benefits benchmarking data. The link below offers terrific insights into the state of benefits today – and how these factors impact your employees and their futures.

Employee Benefits: Access the latest insights on pressing issues facing the U.S. benefits industry to help keep you on the cutting-edge of benefits trends.

1 12th Annual MassMutual Study of Employee Benefits Trends

For additional information about financial education in your workplace, please call Steve Odendahl, Planning Resource Facilitator,  today at (303) 779-6523 or email: sodendahl@centennial-state.com.


 

 

MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives. Local sales agencies are not subsidiaries of MassMutual or its affiliated companies.

Securities and investment advisory services offered through qualified registered representatives of MML Investors Services, LLC. Members SIPC.

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