Business Clients
CBS Financial Directions offers a number of solutions for our 100 plus business clients. As members of the corporate community ourselves, we are dedicated to focusing on providing businesses the support, experience and coaching they will need to protect themselves and position their organization for financial well-being.
The services listed below briefly describe what CBS offers to the business owner. We encourage all our business neighbors to contact us for more information.
Health Spending Accounts (HSA)
- A unique, tax effective plan that allows medical, dental and vision care expenses to be paid by corporation or sole proprietor.
Succession Planning
How you exit your business is just as important as how you start it. These are the questions we can help you with:
- When will you exit?
- Who will you sell too?
- Is there going to be family involved?
- What is a fair price?
- What are the tax and legal implications?
Buy Sell Coverage
Your shareholder agreement Is crucial to your business partnership. Funding is Imperative should your partner become ill, disabled or pass away. We work directly with accounting and legal professionals to ensure that the agreement is properly drafted and adequately funded as it pertains to insurance risk management.
Business Overhead
- We can implement a plan that would pay your business expenses and keep the business running if you need to be off work.
Group Benefits
The Bow Valley Specialists
Group Health and Dental Plans
- Spreads the financial risk of incurred expenses (prescription drugs, out of country travel, ambulance, professional services, vision care, dental services) among the employees in the company, based on the contract.
Group Life and Disability Plans
- Protect your employee and their family’s finances should an illness or injury prevent the employee from working.
- This provides peace of mind, both for the employee knowing that his/her paycheque will continue and for the employer, the feeling that they had the foresight to implement such a plan.
Group RRSP Plans
Smaller businesses can now can offer their employees this unique and value added benefit. The company may choose to contribute to the employee’s plan, based on tenure, position or bonus strutcture. There is an immediate tax benefit and the employee owns the investment.