Financed Planning

Financed Planning programs are a unique approach to the creation of wealth for business owners, medical practitioners and legal professionals using the power and strength of their business. They are programs that use the power of leverage to enable business owners to selectively, and tax efficiently, transfer wealth out of their businesses and into powerful, yet conservative, financial programs that benefit the business owner personally. Traditional "retirement plans" either incorporate contribution limits or must be offered to the business owner's entire employee base. Financed Planning programs eliminate both of these constraints while providing tax efficiency and risk protection.

Are You Prepared to Retire?

At Micel Financial we understand that although you may not plan on retiring, you will likely plan on changing your priorities. That is why you need a program that provides you with flexibility and peace of mind in the next phase of your life.

Most business owners believe they will sell their business to fund retirement – if they retire, that is. Unfortunately, the reality is often much more complicated than the expectations. Approximately 1.2 million viable businesses go on the market for sale each year, nearly 75% of which fail in their efforts to sell. Most of the businesses that are sold end up selling for much less than their Fair Market Value and in many cases, sell below asset value.

         • How do you get value out of your business to benefit you personally?

         • Who’s benefiting from your hard work?

Your investment of time and money may have created a strong business, but have you neglected your personal planning needs along the way?

Within your business is the potential to create a stable retirement solution exclusively for you or your selected beneficiaries. Let us show you how to achieve the unparalleled retirement you deserve. 

Can I Benefit from my Business?

Whether the business is largely cash-based or reliant upon accounts receivable for operations, there are programs appropriately tailored to meet your needs.

Cash-based businesses - most businesses fall into this category- will benefit from a mechanism to fund the financial future of the owners or their designated beneficiaries, without interrupting or factoring the cash flow of the business.

Businesses that rely largely on accounts receivable – such as healthcare practices, legal practices and professional service providers – can use accounts receivable as a leveraging mechanism to meet future financial goals for the owner(s) or their designated beneficiaries while providing a potential level of asset protection for their accounts receivable.

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