Employee Benefits

At Chartered Waters Financial, we broker employee benefits for your business and create a personalized website tailored specifically for your employees to enroll annually. We have the privilege to represent the best insurance providers in the industry and take pride in finding the best benefits from the best providers at the best price. A few of the companies we represent include:

• Anthem Blue Cross Blue Shield

• United Healthcare

• Aetna

• Cigna

• Prudential

• Humana

• Aflac

• New York Life Insurance Company

• Delta Dental

At Chartered Waters Financial, we will be happy to review your existing agreements and/or consider new plans to protect what you’ve worked so hard to create.

60 mins |  Book Below  

Business Protection

Do you depend heavily on the skills and judgements of others within your business? Are these people vital to its effectiveness and profitability? If so, have you considered the financial impact that the death or critical illness of such a key person would have on your business? In some instances, the financial impact could be so great that the business is unable to continue. Business and income protection allows you to put in place coverage that would ensure that funds become available should a key person in your business become critically ill or die & aims to reduce the financial impact of death or critical illness affecting those key people within your business. 

At Chartered Waters Financial, we will be happy to review existing arrangements and/or consider new plans to ensure your needs are met. With careful planning, even the most complex areas can be addressed.

50 mins |  Book Below  

Executive Planning

You’ve worked to grow your business and establish the structure to maintain its profitability, but have you created an exit or successor strategy for when you or the executives within your company plan to retire? 

Executive planning is a fundamental component for corporate benefits strategies. Properly taking care of executives ensures that they will have the drive to focus on the success of your business. If your plan isn’t offering the incentive of a package comparable to what the competition can, then your business may suffer from a lack of talented leadership. Our full service offerings include:

• Buy-Sell Agreements

• Deferred Executive Compensation

• Executive Bonus Agreement

• Family Business Succession

• Key-Person Insurance

• Wealth Accumulation

• Disability Buy-Out

• Pensions & 401(k)

• Inheritance Considerations*

• Business Transfer Planning*

• Business Valuation Services*

At Chartered Waters Financial, we will be happy to review your existing agreements and/or consider new plans to protect what you’ve worked so hard to create. 
*These offerings are completed with our professional alliance team.

60 mins |  Book Below