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Schedule a Free Consultationinfo@tier1capital.com570-550-9002 154 Enterprise Way Pittston, PA 18640www.tier1capital.comSUCCESSION STRATEGY &EXECUTIVE RETIREMENT 6 CRITICAL QUESTIONS TO ASKWHEN LOOKING FOR HELP WITHIN YOUR FAMILY BUSINESS

www.tier1capital.cominfo@tier1capital.com 570-550-9002 Family-owned businessesare the backbone of theU.S. economy. According to the U.S. Census Bureau, familybusinesses represent around 90% of Americanbusinesses and account for half the nation’semployment and half the U.S. gross nationalproduct. Rather than thinking in terms of quarterlyprofits, family businesses tend to think interms of generations. This longer-termthinking allows them to develop strategies tohelp them weather all the storms that comeand go through the decades.

www.tier1capital.cominfo@tier1capital.com 570-550-9002 But keeping the familybusiness going is nosmall task. Without proper succession, retirement,and key-person planning, a companycan lose valuation, intellectual capital,and employee / family morale. Andthe cost of replacing a highly-trainedemployee can be up to 200% of theirsalary for the year.

www.tier1capital.cominfo@tier1capital.com 570-550-9002 Two-thirds of familybusinesses do NOT havea clearly documentedsuccession plan inplace. Finding the right advisor is critical tothe long-term success of your family-owned business. Here are the 6 critical questions toask before working with anyadvisor.

01Does your advisorspecialize insuccessionstrategy, or do theyprimarily manageassets?Most financial planners manage assetslike 401Ks, retirement accounts, andother investments.But a successful small to medium-sizedbusiness needs a very specialized typeof financial advice—legacy andsuccession management—to assure thelongevity of the enterprise forgenerations to come.www.tier1capital.cominfo@tier1capital.com 570-550-9002

02What happenswhen you leave thecompany or passaway?If the answer is that your life insurancepolicy will cover the costs to find asuccessor and keep the companymoving forward, your legacy may be injeopardy. In fact, many successful,multi-million dollar companies gobankrupt simply because key personsdid not create a smart successionstrategy, or funded it the wrong way.www.tier1capital.cominfo@tier1capital.com570-550-9002

03Can your advisorfind ways toimprove yourcash flow? It’s common for small to medium sizedbusinesses to assume debt, work hardto increase cash flow to pay off someof that debt, and find themselvesonce again cash-poor. That limitsyour options when you need toreplace equipment or you want totake advantage of an opportunity. www.tier1capital.cominfo@tier1capital.com 570-550-9002

04Is your advisorlocked intofinancial optionsfrom a singleprovider?Most financial service providers are whatis called “captive,” meaning they are onlyallowed to offer you products from thecompany they represent. This means thateven if there are better products outthere, these providers can’t recommendthem. Many small businesses are unaware thatthey are accepting unnecessary risksthrough these providers. www.tier1capital.cominfo@tier1capital.com 570-550-9002 This unknown risk can leave thecompany exposed to hardship duringeconomic downturns or changes inleadership.

05How do theymanage risk?An advisor should never expose you andyour business to unnecessary risk. Manyorganizations will silently put the riskback on you, the client, through cleverstrategies because it’s what’s in theirbest interest. www.tier1capital.cominfo@tier1capital.com 570-550-9002 Your advisor must look out for yourbest interests and be able to shieldyour organization from unforeseenrisks.

06What is theirattitudetoward debt?According to a small business creditsurvey by the Federal Reserve Banks,70% of small and medium sizedbusinesses carry debt. But debt doesn’thave to be a bad thing. A future-focused advisor knows how to leveragegood debt to your business advantageover the short and long term.www.tier1capital.cominfo@tier1capital.com 570-550-9002

Lack of liquid capital causesan estimated 33% of smallbusiness owners to struggleor fail.With the right advisor on your team,it’s possible to increase cash flowand provide liquidity through othertax-advantaged strategies. www.tier1capital.cominfo@tier1capital.com570-550-9002

www.tier1capital.cominfo@tier1capital.com 570-550-9002 So Where Can You Find theRight Advisor for Your Business?

Tier 1 Capitalspecializes insuccessionstrategy. www.tier1capital.cominfo@tier1capital.com 570-550-9002 It’s your business to run your business.It’s ours to make sure it outlives you. We help business owners design and fundbusinesses succession plans, exit strategies,and key person and selective executivebenefits. Unlike personal financial planners,we prepare businesses for the event that apartner or key person passes away. We also specialize in funding retirementand financial security and estateequalization, meaning family members notdirectly involved in the business are stillcompensated fairly. Don’t let your hard work disappear whenyou retire.

Your legacy issafe with Tier 1 Capital. www.tier1capital.cominfo@tier1capital.com 570-550-9002 There is a common saying that goes,“Shirtsleeves to shirtsleeves in threegenerations.” Which means that it can bedifficult for younger generations to managethe wealth you leave them. The next generation will face manychallenges when they take over the business.While we can’t solve all of them, we canpromise to ensure that they will never beblindsided by unforeseen taxes, expensivebuy-outs, and any other financialcomplications unique to business succession. Prepare your family to successfully pass onyour legacy for generations to come.

Tier 1 Capitalunderstands thatcash is thelifeblood of smallbusinesses. www.tier1capital.cominfo@tier1capital.com 570-550-9002 Many clients come to us knowing they needour help, but are concerned about the cost. What sets us apart is our unique ability tohelp businesses find money within theircurrent cash flow to fund the solutionswith minimal impact on their current cashflow. This allows the business to achieve theirfinancial goals and help them sleep better atnight knowing their operational costs arecovered. We help business owners continue to growtheir business and secure their financialfuture without worrying about paying for ourservices.

We are expertsat leveragingdebt in yourfavor. www.tier1capital.cominfo@tier1capital.com570-550-9002 Equipment, property, operational costs,employee benefits, and other expensesrequire businesses to acquire debt. Andyet most advisors that call themselves“comprehensive” don’t address it. But debt isn’t necessarily a bad thing. Wehelp businesses take control of their debtto their business advantage over the shortand long term.Let us help you take control of your debt.

Tier 1 Capitalnever putsunnecessary riskonto the client. www.tier1capital.cominfo@tier1capital.com 570-550-9002 Many captive solutions put financialrisk back onto the client because it’sless risky for the institution. We don’t have that problem. Insteadwe are free to advise you inwhatever direction is best for yourbusiness with products and solutionsthat have proven to be effective.

www.tier1capital.cominfo@tier1capital.com 570-550-9002 We give our clients thesame financial advicewe give our ownfamilies, because we’re afamily business too!

www.tier1capital.cominfo@tier1capital.com 570-550-9002 Tier 1 Capital, LLCis here to help youachieve yourfinancial goals.Our professional team of experts haveover 35 years of experience and canshow you how to utilize this provenmethod to achieve your business goalsand keep control of your money.

INGOUDE COMPANYFinding That TrustedResource is Simplewww.tier1capital.cominfo@tier1capital.com 570-550-9002 Give Tier 1 Capital a call at 570-550-9002or Send us an email to:info@tier1capital.comWe’ll meet with you and uncover yourgoals and the unique needs of yourbusiness. We’ll also find out if you'relosing control of your cash without evenrealizing it.Then we’ll design a custom strategy for asmooth succession and a stable securefuture for you. And will do it withoutaffecting your cash flow.123

info@tier1capital.com570-550-9002 154 Enterprise Way Pittston, PA 18640www.tier1capital.comSchedule a Free Consultation