Business Owners

 

 MER’S FULL RANGE OF SERVICES FOR BUSINESS OWNERS:

  • Retirement Plan Design and Implementation (401k, 408b2, SEP IRAs etc.)
  • Investment Advisory Services for Business Owners and their employees
  • Legacy Business Planning Secession
  • Employee Stock Option Exercise
  • Retirement Plan Roll-overs
  • Tax-deferred Exchange Funds
  • Deciding The Optimal Time To Sell -  Business Sale Analysis
  • Supplemental Retirement Plans for Key Executives  (Plan Design and Implementation)
  • Coordinate trusted professionals
  • Buy/Sell Insurance and Planning

 

Our experience, expertise and unique planning process enables MER to successfully guide business owners and senior executives through each of these Zones, from the Accumulation phase through generational wealth transfer, thus helping to plan the Business Succession and preserve their legacy. 

ACCUMULATION    
Start-up to middle years – income growth and expansion

  • Start-up concerns - business structuring    
  • Wealth accumulation via savings and investments  
  • Personal retirement savings: 401(k) and/or IRAs
  • Business Retirement Plan design and implementation
  • Insurance needs expanding

     
MATURE BUSINESS 
Countdown 3-5 years to retirement – shifting priorities

  • Moving towards retirement    
  • Business succession planning     
  • Establishment of income stream   
  • Rollover of employer based retirement plans 
  • Greater focus on securing assets/wealth preservation
  • Change in investment methodology/risk
  • Tax efficient income planning

 
DISTRIBUTION    
Focus on Succession Planning/Wealth Preservation/Long-term Healthcare
 

  • Monetizing the Business – a structured approach 
  • Considering selling home to downsize/relocate
  • Wealth preservation    
  • Focus on tax efficient income streams
  • Business sold    
  • Retirement, with potential part-time employment 

  
LEGACY PLANNING  
Tax advantaged generational wealth transfer

  • Basic Planning    
  • IRA and beneficiary planning – designations 
  • Multi-generational IRA planning

 

The Mangan, Ernst & Rankin Business Owner Advocacy

The Mangan, Ernst & Rankin Wealth Management Group of Janney Montgomery Scott LLC (MER) unites complementary strengths, with more than 45 years of combined financial services experience. We guide businesses, as well as individuals and families in making the best investment choices to achieve their personal investment goals. We have been proud to support the Delaware Valley’s business community through our distinctive and personalized approach.  

For 8 years, Clark, Jim and David, MER’s senior partners, hosted the region’s only daily local wealth management show, The Mangan, Ernst & Rankin Wealth Management Show, on MoneyTalk 860AM WWDB,  delivering more than 400 shows solely focused on vital business issues and local business owners.  The shows spotlighted important business topics weekly, and showcased local business owners on our “Business Owner Friday” segment.

In addition to authoring numerous whitepapers and case studies examining key concerns for the professional and business community, we frequently lecture on topics such as Business Owner Succession Planning, Monetizing the Business, Benefits Planning, and Managing Company Retirement Plans. MER also served as a named sponsor for Ernst & Young’s regional “Entrepreneur of the Year” awards held in Philadelphia.

As a service to the local business community, MER recently conducted the 2010 MER Southern New Jersey CEO/Business Owner Survey in conjunction with Drexel University’s LeBow College of Business.  This is the most widely executed survey conducted in Southern NJ.  Our unique mid-year Business Sentiment Survey was designed to gauge both the business and economic sentiment of small businesses and business owners.As part of our continuing commitment to helping business owners grow their enterprises and aid in keeping them aware of current issues that affect their businesses, we coordinate experts of various topics to act as a resource to business owners.  Along with our expertise we bring together and coordinate experts in the following fields:


• Business Succession Planning
• Taxes/Accounting
• Health Insurance
• Retirement Plans
• Estate/Legacy Planning
• Real Estate
• Business Valuation
• Due Diligence
• Business Insurance
• Business Brokerage


As business owner advocates, we provide timely white papers, succinct video email updates regarding topics sensitive to decision makers and unique event focused workshops.  

 

Event Focused Workshops

We host workshops focusing on timely topics sensitive to business owners.  Each of these 30 minute workshops is followed by an entertaining event or activity.  These events allow business owners to stay current on topics that affect their businesses while networking with their peers in a casual entertaining venue.


White Papers


MER provides business owners with monthly white papers on topics focusing on successful business planning.  To receive our white papers, please call us at 800.613.1327 or email us at merwealth@janney.com.