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Financial Planning for Business

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As a business owner, your concerns involve business continuation planning, cost-effective group benefits or providing for your own retirement, your Hantz Financial Services (HFS) consultant will be able to help so that you can focus on what you do best: running your business. When you work with an HFS consultant, you are benefiting from using an integrated team of trained specialists. Your financial consultant will help you to identify your goals, objectives, and expectations, then create a custom-made business plan for you. Your business plan will include a comprehensive analysis of your current business structure, employee benefit and retirement programs, commercial insurance, and business succession plan, and it will make recommendations on how to properly align your business with your goals and objectives.

Entity Structure Analysis

Entity Structure Analysis is a comparison of the current business entity structure to other possible alternatives. For example, the comparison of a C-Corporation to an S-Corporation, or a Limited Liability Company versus a Sole Proprietor or a Partnership. This allows you to see the advantages and disadvantages of each structure, based on your current needs and future goals. This analysis may lead to changes in entity structure or forming additional business entities to help you achieve your goals.

Executive Benefit Planning

How do you reward and retain the key employees who drive your business success? We can help guide you in designing an effective compensation program to reward your key employees for their outstanding contributions - and help you retain these talented and diligent employees. Our programs reward your employees in ways that they will appreciate. Furthermore, we will make sure your compensation program is manageable, affordable, and consistent with your goals and objectives.

Retirement Planning

Offering the right retirement plan will help you to attract and retain the right employees. The Hantz Financial Services (HFS) Retirement Services Group provides plan sponsors with a comprehensive solution for their retirement-plan needs as well as the expertise to handle all aspects of the installation process, employee enrollments, and investment management. Our system balances the employer's need for service, performance and low cost with the employees' need for education, ease of use, and performance. Our team will assist you with plan setup paperwork, elections, enrollment, participant termination forms, and day-to-day retirement-plan questions that may come up. We believe a key measure of our success is your level of comfort as a plan fiduciary. We are able to provide services to cover various type of plan design, including:

  • 401k plans
  • 457 and 403b Plans
  • SIMPLE and SEP Plans
  • Single K Plans
  • Defined Benefit Plans
  • Deferred Compensation Plans
  • Payroll Deduct IRAs
  • ERISA/DOL Compliance

Hantz Retirement Services has assembled an experienced team of specialists whose sole focus is servicing retirement plans. Our team has extensive plan design knowledge and the resources to evaluate and determine the best strategies for your plan. By working with several investment and retirement plan providers, we have the resources to help our clients realize their retirement goals and expectations.

A dedicated HFS financial consultant works continuously with your employees and plan participants to help them get the most out of their retirement plans. An HFS financial consultant can help participants decide how much they need to save, select investment options, assist with form completion, and review their accounts periodically.

Employee Benefit Planning

In today's challenging economic climate, most companies are looking for innovative ways to curtail the increasing cost of employee benefits. The ever-changing health-care and insurance industry has made it challenging for employers to provide their employees with adequate and flexible benefits at an affordable price.

Hantz Benefit Services (HBS) is a fully integrated agency specializing in employee benefits. Our unique approach enables us to provide benefits in a manner that traditionally has only been available to a select group of employers. Our benefit plans include:

  • Health Insurance
  • Prescription Drug Coverage
  • Dental Insurance
  • Vision Insurance
  • Life Insurance
  • Short and Long Term Disability Insurance
  • Voluntary Benefits
  • Personal Health Insurance
  • Cobra Administration

We understand the challenges employers are facing due to the increasing cost of health care. We can help you contain cost and still offer attractive health-care options for you and your employees. Our professionally trained staff has the knowledge, creativity, and experience to help small and mid-sized companies provide and manage their benefit plans with the utmost support and service. Whether your plan is fully insured, completely self-funded, or somewhere in between, our specialists are able to provide guidance around balancing cost-management requirements against the needs of the employees.

Educational Services

Education is a pre-requisite to an individual's ability to make optimal financial decisions, and empirical evidence tells us that employees who are financially savvy are more productive. Our educational services program is comprehensive; attending one or more of our workshops will help your employees increase their "Financial IQ" - which will positively influence your organization's workforce productivity. Organizations can pick from a complete array of sessions to choose the ones that best fit their employee demographic.

Program goals include:

  • To both educate and motivate employees to improve their financial situation,
  • To provide a resource for the participants to take action, since advice only matters if it is implemented,
  • To make your employees more productive by helping them understand the control they can have over their financial situation,
  • To help you retain productive employees.

Commercial Insurance Planning

Our commercial risk insurance representatives provide a "Best in Class" approach to reviewing your current and future business insurance requirements. We provide you with an assessment to give you a fresh look at your company's true level of risk. We take the time to fully understand your business model, search for gaps in coverage, and provide insurance solutions that meet your company's needs.

Succession Planning

An owner of an interest in a business is faced with special estate-planning challenges. This is true whether the interest is in the form of a sole proprietorship, a partnership, a limited liability company, or a corporation.

The typical business owner's business interest, next to personal earning power, is probably their most valuable income-producing asset. Both the owner and his/her family depend heavily upon this asset; as such, the owner must give careful thought to the business retention or disposition in the event of the "three Ds": Death, Disability, or Departure.

Many business owners convince themselves that they will never retire, and thus they fail to plan for the eventual transition of their business ownership to others. Without a well-thought-out transition strategy, many business owners and their families receive much less than the fair market value of their business when it comes time to sell.

It is important to develop a plan that will maximize value in the business, ensure competent management, and spell-out a succession plan. A properly funded buy-sell agreement is an important document that can address the issue of future ownership transition - especially when there are two or more owners involved. If little or no planning has been done in advance, the business is often disposed of at liquidation prices simply because no one is in line to operate the business. However, even if a capable employee can operate the business, the financing of the sale may be inadequate for the previous owner to receive a fair market value. Without proper planning and guidance, the business owner may also end up paying unnecessary taxes.

Business Valuation

An important part of business succession planning is the value of your business. We conduct business valuations based on your financials using various valuation formulas. We provide valuations not only on the net asset value, but also on the revenue stream. Adjustments may need to be made to the financials for items such as owner compensation and rent levels, etc. An appropriate valuation allows you, the business owner, to adequately protect the value of your business assets – and it also assures you that your family will receive proper compensation for your business in the case of your disability or death.

For a free no-obligation consultation, please provide us with your contact information and a Hantz Financial Services (HFS) advisor will contact you to answer any questions you might have about your financial situation.




Please note that Hantz Group, Inc. is the parent corporation to a number of wholly or partially owned subsidiary companies, including but not limited to Hantz Financial Services, Inc. (a broker-dealer/mortgage broker), Hantz Tax & Business, LLC (an accounting and tax preparation company), Hantz Agency, LLC (an insurance agency), Hantz Commercial Insurance Agency, LLC (specializing in insurance for businesses), PLUS Agency, LLC (an impaired insurance agency), Hantz Benefit Services, LLC (an employee benefits agency), Hantz Lending, LLC (a mortgage broker), Hantz Software, LLC (a computer software company); Hantz Technology, LLC (a computer technology company), Hantz Group Sports & Entertainment, LLC (sports and entertainment), Hantz Group Racing, LLC (stock car racing), Hantz Soccer USA, LLC (indoor soccer), Hantz Farms, LLC, (an urban farming company), DiLaura Brothers, LLC (a bowling distributorship), Bowling IQ, LLC (a bowling training center), Hantz & DiLaura Properties, LLC (owners of a bowling property); Hantz Air, LLC (a charter aircraft company), Hantz, Rhoades & Doehrer, LLC (an accounting firm), Hantz Titus Urbanski, LLC ( an accounting firm), Hantz Ewald, LLC (an accounting firm), Hantz Real Estate Ventures, LLC (a real estate holding company), 1540 South Holland Sylvania, LLC (a real estate holding company), Hantz Golf, LLC, Hantz Golf Club of Tecumseh, LLC.