Lions Financial

In today's market, the retention of key employees is a primary concern for most business owners.

Many business owners seek innovative ways to keep their top producers engaged, while also saving themselves the hassle of unwelcome compensation programs and the recruitment of new talent.

The loss of a key employee can result in a decrease in sales and productivity and an increase in costs of recruiting, hiring, and training.

Companies can consider offering non-qualified deferred compensation plans.

This is a viable option for top producers and high-leveled employees to improve their retirement benefits.

Non-qualified deferred compensation may reduce current adjusted gross income levels for key employees who are relying on the program to abate:
- Income Taxes
- Capital Gains
- Medicare Surtax

Businesses can benefit greatly from a strategy to retain key employees for the long term.

Contact us at lions.financial and let us help you get started.

An asset-based loan is a type of business financing that is secured by company assets.

Most Asset-Based loans are structured to work as revolving lines of credit.

This structuring allows a company to borrow from assets on an ongoing basis to cover expenses or investments as needed.

To learn more, watch this video and visit lions.financial

Determining the net worth of a company is one of the most important factors to take care of when selling or purchasing a company.

In this 5-part series, we have looked at Asset Valuation, Historical Earnings Valuation, Relative Valuation, and Discount Cash Flow Valuation.

The last evaluation method we will cover in this series is Discount Cash Flow Valuation.

When profits are not projected to remain stable for the foreseeable future, it is prudent to use the discount cash flow valuation method.

This takes your business’s future net cash flows and discounts them back to present-day values.

Using these figures, you can find the future net worth of the business, along with how much money your current/future assets will attain in the future.

We help clients by working on Business Valuation, Corporate Due Diligence, Mergers & Acquisitions, Business Sales and obtaining Financing.

If you're looking for financial growth, schedule a call with us to review the specifics.

Visit us at lions.financial

A business plan is an important tool for planning, managing, and growing your business.

A well-designed plan lays out a vision of growth, important factors involved, and the steps needed to get there.

A business plan is also an essential document for obtaining financing for your business.

Some of the key elements to consider when defining your business are:
- Executive Summary
- Company Overview
- Products & Services
- Target Market
- Marketing & Sales Plan
- Metrics & Milestones
- Team
- Financial Plan

To read more about the key items to include in your business plan, visit https://lions.financial/key-items-to-include-in-a-business-plan/

Mergers and Acquisitions are used to describe the joining of two companies, but there are key differences in the two transactions.

To learn more, watch this video -

Mergers and acquisitions Lions Financial

Determining the net worth of a company is one of the most important factors to take care of when selling or purchasing a company.

In this 5-part series, we have looked at Asset Valuation, Historical Earnings Valuation, and Relative Valuation

Today, we’ll talk about Maintainable Valuation.

Future maintainable is the idea that the profitability of the business in the future will determine its value in the current day.

This method is used mainly when profits are expected to remain stable, but if a company fluctuates heavily, then it may not be the best decision to use this.

To calculate this, evaluate sales, expenses, profits, and gross profits from the past three years to create a forward projection using averages and conduct a standard trend analysis.

Michael is the Chief Technology Officer at Lions Financial, and leads our technology consulting division as the Director of Technology and Operations.

He focuses on consulting clients in developing operational strategies and providing customized technology solutions for their businesses.

At Lions Financial, Michael creates and analyzes business plans and objectives while implementing technology solutions to ensure the company, and our clients meet business goals and objectives.

He provides comprehensive systems analysis and enterprise technology design while participating in the planning and ex*****on of solutions for client initiatives.

Michael has worked with clients in the automotive, beauty, energy, financial, hospitality, logistics, manufacturing, retail, and travel industries.

Michael also specializes in website and search engine optimization, cloud technology, data analytics, e-commerce, marketing technology, human resources, and project management.

Corporate-owned Life Insurance (COLI) is typically taken out on a group of critical employees and pays a benefit when any one of those employees dies.

COLI policies are a way for a corporation to minimize its tax burden, increase after-tax net income, finance employee benefits, and cover the expense of replacing an insured employee upon that employee's death.

To learn more, watch our video -

Corporate Owned Life Insurance Lions Financial

Determining the net worth of a company is one of the most important factors to take care of when selling or purchasing a company.

Previously in this 5-part series, we have covered Asset Valuation and Historical Earnings Valuation.

Today, we will highlight Relative Valuation.

With this method, you would take a look at the businesses within the same sector, in the same range of net worth, and see how much they are selling for.

While this may be inaccurate due to possible issues found during the discovery process of a purchaser, it gives a somewhat ballpark figure to base your personal estimate off of, which is used as more of a guideline rather than an actual estimate.

This method is unlike the others and is meant to be used in conjunction with other valuation tactics.

Ariel Serber is a Director at Lions Financial, where he works to benefit his clients by providing financial services with a keen focus on risk management.

Ariel specializes in the key components to consider when evaluating complex insurance policies and management of employee group benefit plans.

Ariel supports business accounts to help mitigate risks they face within their company by implementing strategies and products for key-person protection plans, executive benefits, and retirement investments.

With over 15 years of experience in entrepreneurship, management, business planning, financial analysis, operations, and decision analysis, Ariel has the breadth and depth of experience needed to quickly understand entrepreneurs’ businesses.

He believes that technology evolves rapidly, but human relationships are important to craft the most suitable plan for clients’ situations, which is still what matters the most in this business.

We provide guidance to help clients with Business Planning, Succession Strategies, Executive Compensations, and Enterprise Technology.

If you're looking for financial growth, schedule a call with us to review the specifics.

Visit us at lions.financial