Individuals & Families
Business Owners

What's your ASSET MAP look like? 

 Lets complete your asset MAP!  Its a great place to start!  This will give us a picture of all of your prior financial decisions and put it on a 1 page MAP.  From here we can start planning and setting up future target goals.  We can send you a protected link to safely enter in as many or as little details as you wish, and in as little as 20 to 30 minutes of your time have a fresh Asset MAP for starters. 

Our Value proposition with Asset Map & Other Planning Tools 

Whether you are in the accumulation, preservation, or distribution phase of retirement, our focus is helping you reach your goals & objectives through long term planning and investing.  We have several software planning tools to simplify the road to retirement and what that looks for you.  No 1 plan is the same and we remain flexible and easy to work with.  In 20-30 minutes of getting to know you, we have the ability to see a snap-shot, of your financial health on a 1-page pdf which gives us a great place to start our initial planning process.  We can solve for future needed retirement income and how much to save to get there; solve for your shortfall, add savings goals along the way such as vacation planning; provide a tax return analysis and ideas to discuss with your tax professional, and many other ancillary services.  Basically, keep it as simple or as detailed as you want it to be.

We also help in getting our clients signed up for Social Security if needed, and make sure you are maximizing your benefits with a “Guided Social Security Analysis”.  We know Medicare can be confusing at best, so we have a Medicare department to assist in getting set up and finding the plan that best meets your medical needs, in your geographic area.  Helping you to AND Through retirement isn’t as complicated when you have the right advisor team working for you.  Lets set some GOALS!

Tax Loss Harvesting 

This can be a very effective method to offset your capital gains throughout the year and at year end!  

Its Not how much money you make, its how much you get to keep right?  

No one likes taxes. But through the advice of a professional financial advisor, you can access products and services that help ease the burden. Charitable contributions, life insurance policies and investment products can all be useful tools in an effective tax strategy. Working together, we will consider your personal situation and design a tax plan that fits your needs.


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Bringing Big Benefits to Small Business   

(1-100 employees is considered small business in US economy.)

Business owners and staff wear many hats and administering group retirement plans or group health plans can be overwhelming and eat up a lot of valuable time.  That is why at Starr Investments & Benefits we helped solve this problem by investing in special technology aimed to specifically make that job way EASY!  So now, when it comes to implementing an employer sponsored defined contribution plan (401k, 403b, Simple, 457 plan etc) and/or group health benefits, we make it way easier than you think.  We have streamlined the processes and eliminated most of the paperwork.  We are an advisor-benefits team that actually communicate with the employees and spend the time needed to educate them on all their options, so they have both the power of choice and the confidence when making a decision from the comfort of their own home via a computer, tablet or on the GO, from their mobile device. 

We have spent many hours building out our new value proposition to offer our business relationships, on top of making sure you are getting the best Value when it comes to your group health choices and your retirement plan for your valuable employees.

Give us a call so we can better get to know you and how we might be of service to you personally or your business.  We look forward to joining your team!



For many business owners, their business is their primary retirement asset. After many years of building a successful business they expect to convert it to an income for retirement by selling it. If they are relying upon the business as their sole means of retirement they run the risk that it may not attain the value needed to produce the needed income.

Businesses can fail. Businesses can lose value in certain economic cycles. The timing is not always right to sell a business. Many times the true value of the business lies in the talents and good will of the business owner who won’t be around to run the business after he retires.

Business owners today must prepare for retirement with the same level of diversification recommended for any retirement plan. Business owners have access to a number of qualified and nonqualified retirement plan options that can provide a cornerstone for their retirement income needs.  Lets look at the value of a having a 401K with a vesting schedule and profit sharing when permissible.  We work with a very talented TPA, that can hand design a 401k to benefit both the employees and the employers and highly compensated key employees.  There are many options to consider.  

Key Employee Protection

One of the more devastating events a small business can suffer is the loss of a key employee. Often times it’s a key employee who brings a special talent to the business and is responsible for much of the success of the business owner. The loss of such a valuable asset could set the business back for a period of time, and at tremendous cost, while the business owner seeks to find a replacement, if one can be found at all.

In financial planning, we are taught that it our most valuable assets – our home, our ability to earn income, our cars – should be insured against an unexpected loss. It’s no different for business owners as the loss of a valuable business asset could imperil the business.

Buying life insurance coverage on a key employee makes good business sense. The amount of coverage should be enough to cover the costs of recruiting and paying a replacement, loss of earnings to the company, any redemption of stock or a salary continuation plan arrangement with the surviving family.

Key Employee Compensation

In a small business setting, it could take years to find or develop the talent needed to build the business to the next level. Key employees are hard to come by, and it is even more difficult on the business when it walks out the door in pursuit of another opportunity.  We need to learn how to reward them instead of having the attitude of, " You're lucky to work here". 

When key employees are presented with a strong monetary incentive package, they are more likely to stay and utilize their talents where they feel appreciated and appropriately rewarded. Structured incentive plans can help keep key employees in place and motivate them to higher levels of performance.

Plans such as Nonqualified Deferred Compensation or Split Dollar Life Insurance are life insurance based plans that enable the business to offer current and future benefits to their key executives in exchange for their continued service for a specified period of time.

For more information on Business Owner Planning, please contact us today.

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*Please note that United Planners and its representatives do not provide tax or legal advice.