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You have individual clients who are business owners. You have businesses as clients too – they have owners. Let us assume no one wants to end their life being carried out of their office feet first. They want to spend some years, hopefully many, in their well-earned retirement. Their business is their largest, possibly their only asset. What can they do? How can you help?

1. Initiate a retirement plan through the business. This would be an idea if it’s a mom-and-pop business. The company puts in a plan to provide generous retirement benefits for all employees. There just happen to be two of them, the married owners of the business.

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