Insurance and Financial Services
Congratulations on your decision to be an entrepreneur. As we're sure you know, business ownership is an exciting endeavor. However, without proper planning, the life of a business can be short and costly. To ensure you have properly planned for the protection of your business, we would like to offer our assistance as a Business Solutions Specialist, MPower Street Financial, a broker-dealer of National Life Group.
Together with National Life Group, representatives of MPower Street Financial, work with small- and mid-sized business owners to help them create long-term strategic planning. Through our affiliated companies we can offer solutions to help avoid some of pitfalls that can prove detrimental to your business. These include:
- Improving your business’s long-term tax position
- Retaining key employees and keeping them from becoming your competition.
- Incorporating an exit strategy into your business plan.
- Protecting your family and personal assets from unforeseen circumstances involving your business.
- Ensuring a smooth transition of ownership should a key individual be lost unexpectedly.
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<p class="MsoNormal" style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; line-height: normal;"><strong><span style="font-size: 12.0pt; font-family: 'Times New Roman','serif'; mso-fareast-font-family: 'Times New Roman';">Qualified Plans</span></strong>](http://static.fmgsuite.com/media/images/5fe951f2-3b86-4450-943e-89e692cb34f3.jpg)
Qualified Plans
- Current Tax Deduction
- Contribution not included in income
- Tax deferred accumulation
- May purchase life insurance with pre- tax dollars
- Pure death benefit from life insurance inside the plan payable income tax free
- Income tax payable only on distributions from the plan
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<p class="MsoNormal" style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; line-height: normal;"><strong><span style="font-size: 12.0pt; font-family: 'Times New Roman','serif'; mso-fareast-font-family: 'Times New Roman';">Executive Bonus Plan Funded with Life Insurance</span></strong>
 ](http://static.fmgsuite.com/media/images/42ba4244-71fc-4836-b67b-21642ebb0f98.jpg)
Executive Bonus Plan Funded with Life Insurance
- Current Tax Deduction
- Potential to access cash value during your lifetime using tax free loans and withdrawals
- Tax deferred accumulation of cash value
- Income tax free death benefit
- Opportunity for accelerated benefits in the event of a qualifying terminal, chronic or critical illness, or critical injury
- Selective participation
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<p class="MsoNormal" style="mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; line-height: normal;"><strong><span style="font-size: 12.0pt; font-family: 'Times New Roman','serif'; mso-fareast-font-family: 'Times New Roman';">Split Dollar Loan Arrangements</span></strong>](http://static.fmgsuite.com/media/images/78abe7fc-b20b-4a64-8de2-f5c614114dc1.jpg)
Split Dollar Loan Arrangements
- Business will pay the premiums on a permanent life policy owned by the insured.
- The business will treat the payment as a loan to the insured at minimum federal interest rates
- Insured’s out of pocket equals the interest due on the loan
- Business recovers outlays when loan is repaid through policy
- Tax deferred accumulation of cash values
- Income tax free death benefit
- Opportunity for accelerated benefits in the event of a qualifying terminal, chronic or critical illness, or critical injury
- Selective participation
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Salary Continuation Informally Funded with Life Insurance
- Promise to pay a future benefit
- Tax deduction received when the benefit is paid
- Tax deferred growth for participant
- Selective participation
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The good news…you have a spectrum of programs to choose from – each provides different:
- Tax benefits
- Personal or business control over the program
- Government regulations

Retaining Key Employee's
As you can see, each of these choices will deliver different results. In many cases, a combination of programs will actually work best to deliver positive results to you, your business and your key people.