Business Advisors, LLC

David K. Seems CLU®,ChFC®
Gail L. Reeves, Marketing Consultant
Shari L. Sullivan

Helping Secure the Future for Businesses and Individuals

The Rocky Mountain Office of Business Advisors, LLC is dedicated to helping business owners and executives tackle the everyday challenges that comes with running a business as well as helping them prepare to successfully exit their business or profession by listening to and understanding their wants and desires for their next stage in life.  With over 75 years of combined experience, we provide financial guidance to clients with unique financial needs, and have access to a multitude of strategies and programs designed for wealth management services, employee benefits, estate and retirement planning and business exit strategies.  Many business owners haven't adequately protected themselves or planned for the future because they're so busy building up their business.  They are caught up in their day-to-day concerns and haven't spent the time necessary to create their financial roadmap of the future.  We call this The Working-in-Your Business trap.
Calculators

Cash Flow Analysis

This Cash Flow Analysis form will help you weigh your income vs. your expenses.

Savings Goals

How much do you need to save each year to meet your long-term financial goals?

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

Estate Taxes

Use this calculator to estimate the federal estate taxes that could be due on your estate after you die.

More Calculators →

Newsletters

Lessons from a Perilous Year

In retrospect, 2011 was a formidable year for catastrophes. Small businesses can be hit hard when extreme weather or a natural disaster causes damage or forces a temporary closure. This article considers the importance of adequate insurance protection and ways to help reduce uninsured losses.

There’s Still Time to Catch Up

Worker confidence in affording a comfortable retirement fell to a record low in 2011, but investors aged 50 and older may be able to make up for lost time by maximizing contributions to retirement plans and taking advantage of catch-up contribution limits. The accompanying chart shows the potential difference in accumulation by taking advantage of catch-up contributions.

New Opportunity Under the Federal Gift Tax

The 2010 Tax Relief Act raised the lifetime gift-tax exclusion to $5 million. This means it could be a good time to make the most of tax-free gift transfers. If so, it's important to understand the annual and lifetime gift exemption limits, as well as which gifts might not be subject to them.

Finding a Good Time to Invest

When a prominent stock market index closes above an important threshold, many investors who have been sitting on the sidelines may see it as good time to invest, but they may have missed a significant part of the rally. Waiting for the "right" moment to invest could prove to be a costly and ineffective strategy.

More Newsletters →