CORPORATE PLANNING

charts-manOJM often works with a client’s business or professional practice. We can be engaged by a business for one of the planning areas below, two or more in combination, or in an all-inclusive, comprehensive engagement.

Corporate Structure:
Evaluation of the client’s present corporate structure by an in-house authority. Analysis of potential advantages and disadvantages of using different, or multiple corporate entities, including limited liability companies, “S” corporations, “C” corporations, disregarded entities, and partnership-taxed entities.

Corporate Tax Reduction:
Often combined with corporate structure and benefit planning, analysis of the client’s present tax situation and review of corporate tax returns by our tax team, led by a CPA with 25+ years of tax experience. Suggestions made for both tax reduction and deferral.

Corporate Benefit Planning:
Review of the client’s current retirement and benefit plans by our benefit planning professionals. Comparison to other qualified, non-qualified retirement, and fringe benefit plan alternatives that can provide tax savings and cost efficiency for owners and/or partners. In addition, for clients with 100 or more employees, we analyze the existing group health benefits and compare to potential alternatives.

Corporate Asset Protection:
Analysis of each business asset and explanation of its present state of exposure on the sliding scale of asset protection by our in-house advisor (former practicing asset protection attorney). Description of options and recommendations on how to better protect each asset, with pros/cons and costs/benefits of each alternative.

Corporate Risk Management:
Review of commercial lines insurance coverages, from professional and general liability, to employment-related practices, to umbrella and more.  For applicable clients, we will also provide medical malpractice review and analysis. A preliminary economic analysis and explanation of any captive insurance structures that may apply to a client’s business.

Corporate Catastrophic Analysis:
Review of the business buy-sell structure and disability overhead protection, if applicable. Recommendations to improve existing protections.

Corporate Investments:
Analysis of corporately-held investments by our asset management team, including past performance, with a particular focus on asset allocation failures, current and expected future tax drag, management fees, and integration of corporate investments with other corporate planning areas*

*The analyses do not include implementation of investment recommendations.  OJM can be engaged to implement such recommendations/manage investments, though our asset management team.

 

WHAT’S YOUR RISK NUMBER?

Our free online quiz will only take a few minutes to complete and can help us discover your personal tolerance for risk and set investments accordingly.

Free Personal Risk Score

Webcasts & Podcasts

Register to instantly view our latest webcast, Do I Need An Investment Advisor? Reasons Investors Underperform Without Professional Management.

OJM Group's podcast series features brief audio broadcasts on market analysis and other wealth management topics. Listen Now!

Newsletter

Get Email Updates - Our free monthly newsletter covers the latest in wealth planning topics.