Benefit Planning &
Business Protection Strategies
At Sawyer Solutions, clients are from all walks of life with a focus on small, medium to larger sized business owners, retirees, pre retirees and CalSTRS / CalPERS employees. Grant Sawyer is committed to helping individuals grow their personal wealth safely and securely while obtaining a comfortable retirement in an often volatile financial market place.
For business owners, we can help facilitate business continuity, protect the company against the loss of a key person, provide liquidity to fund a succession plan, ensuring the company can thrive well into the future. Using the right tools we can help employers recruit, retain, and reward employees and executives.
Grant Sawyer
President/CEO
Known for being a trusted Retirement and Business Specialist, Grant’s intuitive abilities and insightfulness allow him to understand client needs. Building confidence and forming relationships over a life time, is part of his core strength.
Grant provides a variety of products to help his clientele meet a number of insurance, retirement and financial needs, including but not limited to:
- Tax-Free Retirement
- Executive Bonus Plans
- Buy Sell Agreements
- Estate Planning
- 403B / 457 Plans
- CalSTRS / CalPERS Pension Reviews
- Life Insurance
- Annuities
- Wealth Transfer Strategies
- Income Maximization
- Lifetime Income Strategies
- Income Maximization
- College Funding
Featured Personal Solutions
What to do with savings you've accumulated outside your retirement accounts? If you want investment like returns with NO risk , but would like to have access to virtually 100% or a portion of your money at any time, we might have the solutions for you!
- Premium liquidity
- Tax Deferred Growth
- Several crediting methods, including an UNCAPPED strategy (High earning potential)
- Tax Free to your heirs
- 100+ year old, A+ Rated Institutions
- No downside market risk
- Principal is 100% protected
- Living benefits. Policy owner may accelerate a portion of the death benefit should the insured become critically, chronically or terminally ill.
- Guaranteed by the state Guaranteed Allocation
*Not everyone qualifies for this product.
- Premium Preservation
- Several crediting methods, including an UNCAPPED strategy. (High earning potential)
- Tax deferred growth
- TAX FREE distributions to supplement retirement income
- No downside market risk
- Living benefits. Policy owner may accelerate a portion of the death benefit should the insured become critically, chronically or terminally ill
- Family Income Protection via Tax Free Death Benefit to beneficiaries
- College Funding
Retirement income strategies are not just for the wealthy. As retirement nears, the traditional strategy has been to move growth-seeking products to more conservative, fixed-income products. According to a recent study, for a married couple age 65 there is now a 50 percent chance that at least one spouse will live to age 94.1
This means that you may need to plan for your retirement savings to potentially last 25 to 30 years.One drawback to a longer life is the greater possibility of outliving your savings — creating all the more reason to develop a retirement income strategy designed to last a longer lifetime.
Sixty-one percent of Americans surveyed said they were more afraid of outliving their assets than they were of dying.2A significant loss in the years just prior to and/or just after you retire could negatively impact the level of income you receive over the course of your life.
In fact, if a loss occurs earlier in life, there is also the chance that you may have more time to recover (versus a loss occurring later in retirement). Why? Simply because a smaller pool of assets is left to sustain you throughout your retirement years, and your assets may not have as much time to recover.
Need help drafting a plan or updating one? A proper plan helps ensure assets - both personal and business - meet lifetime objectives and will be distributed the way you want.
Featured Business Solutions
Executive bonus designs using life insurance have several advantages including:
- An executive bonus plan is simple to implement and easy to administer.
- The business owner can appoint themselves or other employees for the plan.
- The bonus payments may be considered a fully deductible expense to the company.
- The key employee is able to name the beneficiary of the entire death benefit of the life insurance policy.
- In many cases, unless there is a “restricted or controlled executive bonus”, the key executive will have immediate access to policy cash value and may access that cash value without income tax through policy loans and withdrawals.
- Executive bonus plans are not subject to “qualified plan limits”.
A buy-sell agreement ensures that surviving owners of a business have the right to purchase the interest of any owner when that owner dies. It also ensures that the deceased’s beneficiaries are fairly compensated for a business interest they inherit. Life insurance is often used in conjunction with a buy-sell agreement, as it provides liquidity to fund the success plan exactly when it is needed – upon the death of an owner.
Key Employee bonus designs using life insurance have several advantages including:
- An executive bonus plan is simple to implement and easy to administer.
- The business can selectively choose the key employees they wish to reward.
- The bonus payments may be considered a fully deductible expense to the company.
- The key employee is able to name the beneficiary of the entire death benefit of the life insurance policy.
- In many cases, unless there is a “restricted or controlled executive bonus”, the key executive will have immediate access to policy cash value and may access that cash value without income tax through policy loans and withdrawals.
- Executive bonus plans are not subject to “qualified plan limits”.
Retire Village Member
I am part of Retire Village, an educational site that has been a tremendous resource for people I work with. There has been a lot of positive feedback about the free educational articles, videos, and booklet we offer – You can find them right on my personal page on Retire Village. Please click the logo below for access!
- Sawyer Solutions
21550 Oxnard Street Suite 490
Woodland Hills, California 91367
