What keeps you up at night? As a business owner you have a lot on your mind. Wouldn't it be nice to know an expert is there to help you through your financial challenges?

1. Protecting your Business Financially
Peter J. Creedon, CFP, ChFC, CLU
CEO/Founder at Crystal Brook Advisors
(212) 579-5813
peter@crystalbrookadvisors.com
www.crystalbrookadvisors.com

2. What keeps you up at night?

3. Do I have enough cash to keep the business and
my personal expenses going?
Is the Business going to pay for my
personal expenses?
How do I pay back my student loans while running
my business?

4. 2:15 AM
2:41 AM
3:13 AM
4:01 AM
Will someone actually buy my product?
When and how do I hire staff?
How do I retain employees if my competitors offer employee
benefits and I don’t?

5. How do I keep ahead of the NYC State and Federal
tax rules and regulations?
My business is up and running but I have
no funding and I am running out of cash.
What happens if I’m a sole proprietor and I become disabled
or want to sell the business?

6. What if my business partner and I disagree and
he wants out?
How do I replace a partner?
Do I want to deal with family who may inherit the
partner interest?

7. How do I protect my business?

8. How do I protect myself?

9. A good personal and business
plan will help you balance:
Time and Money.

10. Insurance and Employee Benefits
Planning will help you protect your
company’s two most valuable assets:
You
Your Employees

11. What would happen if a disabling illness
or injury left you or another owner or key
employee too sick or hurt to work?
Would you be able to meet your financial
obligations and maintain your standard of
living?
What would happen to your business,
your employees?

12. What Insurance do I need for
my business and self?
For your Business:
• Commercial Umbrella Insurance
• Property and Casualty Insurance
• Key Man Insurance
• Buy Sell Insurance
For yourself
• Health Insurance
• Life Insurance
• Disability Insurance
• Long-Term Care Insurance
• Personal Umbrella Insurance

13. Employee benefits are there
to ensure that you can attract
and retain talent while still
protecting your own, your
business, and your
employee’s interests.

14. Employee Benefits You Should
Consider for your Company:
• 401 (k) – company retirement plan
• Health, Dental, Vision Insurance
• Deferred Compensation – Portion of
compensation is deferred for retirement
• Life Insurance
• Disability Insurance
Fact: *Businesses with 50 to 99 full-time equivalent employees
have until 2016 to start offering health insurance to 95 percent
of their full-time employees or pay a fine.
*Resource: Healthcare.gov

15. Personal Business
It’s your business –
and your life. Financial
planning is about
managing both your
personal and business
finances so you can
reach your goals.

16. It’s all about you…
• What are your dreams and goals?
• What do you want to accomplish with your business?
• Where do you see yourself/your business going in the next:
5 years, 10 years, 20 years?
• What help/resources do you need in order to reach your
personal and business goals?

17. #CBAmbition
Share Your Year-End Financial Goal With Us On Twitter by
using the #CBAmbition hashtag!
We will select one individual every week and extend a complimentary
personalized consultation from our Financial Experts!

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19. For more information:
crystalbrookadvisors.com
info@crystalbrookadvisors.com
212.579.5813
Crystal Brook Advisors is a Registered Investment Advisor in the State of New York. Security Investments are not FDIC insured. Security Investments are not
Bank guaranteed. Investing in securities involves risks, a potential of losing money when investing in securities. Before investing, review your investment
objectives and Crystal Brook Advisors charges and expenses. Investments past performance does not guarantee future results.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design) and
CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
Investments: Your security investments will be maintained, held by an unaffiliated, qualified custodian (First Clearing LLC), such as a bank, broker/dealer,
direct mutual fund, transfer agent or insurance companies. Your security investments are not held by Crystal Brook Advisors or any associate of our firm.
Trade-PMR, Inc. acts as an introducing broker clearing on a fully-disclosed basis through First Clearing LLC. First Clearing LLC is a member
of FINRA/SIPC.Your security investments are held at First Clearing LLC, an affiliate of Wells Fargo & Company. Your security investments in your account are
protected up to $500,000 by SIPC. See sipc.org for clarification.