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M Advisory Group understands the value of investing in your firm by investing in your key people. A critical issue in today's competitive business environment is recruiting, retaining and rewarding top tier talent. In fact, your key employees typically become either successors or competitors, so once you recruit top executives and management, rewarding and retaining them is imperative. We also understand the decision of offering better benefits sometimes is a matter of cash flow vs. cash outlay. What if the 'net' cost to your company of an enhanced supplemental benefit for your top people was equivalent to your current arrangement today, 'cost neutral' over a 5-10 year time frame, or could be shared by your executives who participate in the plan?

We design supplemental retirement plans and comprehensive insurance benefit plans according to the desires, philosophy and financial appetite of your company. Some plan designs allow companies to take an immediate tax deduction for contributions. Other designs forego the tax deduction, while providing full contribution, or 'cost', recovery at the termination or death of the key person.

We also know that proper business succession planning leads to a successful business. We are aware of the sacrifice entrepreneurs and business owners make in time, money and resources to build a successful business. In addition, there are employees and their families that are dependent upon that business being there in the future, as are the families of the shareholders who built the business.

Businesses transition ownership all the time but unfortunately not always in the way the shareholders or founders intended. A well constructed and documented plan is essential to insure what happens to the business in the event of a shareholder's death, disability, or retirement is exactly what the shareholders, and their families, want.


M Advisory Group is presently licensed to sell traditional life insurance in the following states: AZ, CA (#0319876), CT, FL, IL, MD, MI, MN, NH, NM, NJ, NV, OR, RI, VT, VA, and WA. Insurance services are limited to residents of the above listed states. Residents of other states should consult with a local agent for insurance service.

Variable life and annuity products, as well as other securities products, may be sold in the following states: AZ, CA, CO, CT, FL, GA, HI, IL, NJ, OR, PA, TX, and WA. Residents of other states should consult with a local registered representative for securities products.

Securities and Investment Advisory Services Offered Through M Holdings Securities, Inc., a Registered Broker/Dealer and Investment Adviser, Member FINRA/SIPC. M Advisory Group is independently owned and operated.

Check the background of this Firm and/or investment professional on FINRA's BrokerCheck.

M Advisory Group is a member of M Financial Group. Please go to mfin.com/DisclosureStatement for further details regarding this relationship.

This material is intended for informational purposes only and should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney, tax advisor or plan provider.