Business Owner Information and Services

Business Owner and Executive Benefits

Small businesses are a vital contributor to the growth of our nations economy. The small business is the key to the financial health of our nation and the main key to reducing our level of unemployment.

The small business owner and business executive employees need all of the tools possible to manage and grow their business. Competition for the consumers dollar is fierce and efficiency in operating the company affects profitability. The business also generally represents current and future security for owners and their families.  

The The Principal Financial Group, founded in 1879, is a leader in offering businesses, individuals and institutional clients a wide range of financial products and services. The Walstine Financial Agency, supported by the Principal, offers business owners and their executives solutions to address their business and personal financial needs.

An important part of the support offered by the Principal are the research and reports available through Walstine Financial. Any of the below listed reports or documents are available by sending an email to ray@walstinefa.com listing the specific report requested.

General Information

  • Fiduciary Responsibilities
  • Understanding and Managing Fiduciary Responsibility (PDF: 446 KB)
  • Learn from The Principal 10 Best Companies
    • Guide to Best Practices in Employee Benefits from The Principal 10 Best
    • Rebuilding Tips from the Principal 10 Best Companies (PDF: 87 KB)
  • Retirement Plans
    • Retirement Trends: The Total View 2009 report
    • White Paper: Rebuilding 401(k) Retirement Savings: Three Stages of Rebuilding (PDF: 952 KB)
    • White Paper: Navigating Your Way through Market Turbulence (PDF: 140 KB)

Tools and Education for Employees

  • Retirement Planning
    • Retirement Planning Calculator: Help employees evaluate retirement goals and develop a clear plan
    • Rebuilding Retirement Estimator: Help employees estimate how long it might take to rebuild retirement savings.
  • Life Insurance
    • Life Insurance Calculator
    • Step-by-Step Guide to Life Insurance (PDF: 3.4 MB)
  • Disability Insurance
    • Disability Income Insurance Calculator
    • Step-by-Step Guide to Disability Income Insurance (PDF: 844 KB)

Benefits for Business Owners

  • Trends in Key Employee Benefits:
    • White Paper: Business Owner & Key Employee Benefits in Todays Economic Environment (PDF: 509 KB)
    • Business Owner Market Study: Understanding Benefit Practices (PDF: 283 KB)
    • White Paper: Non-qualified Deferred Compensation: Understanding Plan Sponsor and Participant Expectations (PDF: 1.2 MB)
  • Business Owner Gap Analysis
    • What is the Business Owner Gap Analysis?
  • Retirement Planning
    • Executive Benefit Solution: The Retirement Gap (PDF: 265 KB)
    • Executive Benefit Plan Comparison (PDF: 156 KB)
    • Retirement Income Concepts Guide (PDF: 170 KB)
  • Disability Insurance
    • Build a solution to protect your employees (PDF: 286 KB)
    • Disability Insurance Retirement Security (PDF: 126 KB)
    • Protection for Key Employees (PDF: 378 KB)  
  • Business Owner Financial Priorities
    • Business Owner Priorities Checklist (PDF: 400 KB

Business Exit Planning

  • Business Valuation
    • Get more information about a business valuation
    • Exit Planning: Resolving the Problem of Business Valuation (PDF: 175 KB)
  • Buy-Sell Review
    • Get more information about a free Buy-Sell Review service 
    • Buy-Sell Review: Business Owner Summary (PDF: 713 KB)

 Evaluating and Protecting your Business 

Exit planning is a critical step for for the business owner. Without a plan in place and the necessary tools available to implement the plan when the time arrives, an exit might only not be available, it might be impossible. The end result might have the business owner working in the business far beyond the intended retirement date.  

The Principal offers a no-obligation informal business valuation report to help the business owner establish a starting point for the sale or  transfer of the business. Also the valuation report would be a  foundation for the creation of a buy-sell agreement when appropriate.  

Another no-cost service offered is the analysis of an existing buy-sell agreement that might already be in place. A buy-sell agreement is a key way to assure family members in a closely held business that there is a legal method for the business to be bought and sold in the event of  triggering occurrences.

Contact Ray Walstine at (310) 251-5762 or email to ray@walstinefa,com to find out about how the Principal  Financial Group can help grow and protect your business.