Smarter Employee Benefits for Private & Family Businesses
We partner directly with business owners and their professional advisors to build meaningful executive & employee benefit programs, lower health insurance costs, and implement tax-free cash flow strategies.
"Attract & retain top talent while controlling benefit expenses, taxes and protecting company assets."
We Partner With Private & Family-Owned Businesses
We're a boutique firm that works with private and family-owned businesses, typically along with and through their professional advisors, helping your business grow and succeed using the following concepts:
Retain & Reward Employees
We create benefit programs that retain and reward employees while controlling costs for your business.
Competitive to Zero Net Cost Benefits
We focus on designing meaningful benefit programs at competitive to zero net cost to your employees and your business.
Relevant & Legal Tax Strategies
We implement executive benefit plans using tax strategies that are relevant, and legal, to help you achieve both your personal and business goals.
Customized Concepts We Share
We work alongside business owners and their professional advisors (CPAs, attorneys, & financial planners) to craft legal, relevant, and cost efficient solutions.
Executive Benefits Planning
Structured benefit plans that retain and reward key team members while maintaining predictable overhead costs.
Individual & Group Health Plans
Custom health insurance solutions designed specifically for private businesses or individuals that are meaningful, competitive, and cost efficient.
AME Benefit Plans
Premier Executive & Employee Benefit Programs delivering meaningful and significant additional benefits to both the business owner, executives and employees. (An existing health plan is not required.)
Reward & Retain Top Talent
Implement benefit plans that motivate key executives and prevent employee turnover without breaking your budget.
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Protect Personal & Business Wealth
Shield critical business reserves and family assets from unexpected health events and overwhelming medical expenses.
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LTC & Asset Protection
Protecting personal and business wealth from unexpected extended medical costs and severe health expenses.
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Retire With Tax-Free Cash Flow
Structure tax-efficient wealth accumulation strategies that keep your generational wealth safely in the family.
Schedule a Time to TalkInnovative Executive & Tax Solutions
Proprietary programs designed to solve complex business owner challenges—from policy loan rescues to tax-free retirement wealth creation.
Mirrored Roth Plans
Advanced executive accumulation plans enabling the growth of "tax-free retirement dollars" and allowing for contributions above standard Roth IRA limits.
Life Insurance Loan Rescue
Specialized restructuring of cash value life insurance policies to preserve policy value, avoid unexpected tax liabilities, and correct underperforming life insurance policy loans.
Term Life Extender Options
Smart options that may extend existing term life coverage if conversion costs are "above your budget" and you're "less healthy" than when coverage started.
Wellness Plans
Comprehensive wellness & health packages tailored to keep employees healthy, productive, and satisfied.
AME Benefit Plans for Employees & Your Business
Discover how AME Plans provide a competitive edge in workforce retention and owner tax efficiency. Designed for zero net cost to both employees and company owners.
- Significant Executive and Employee retention incentive
- Compliments and does not conflict with existing benefit programs
- An existing Group Health Plan is not required
"Minimize life's unexpected events. Help others. Live a life of gratitude!"
Plan for the "What IF" in LIFE !
For over three decades, Marty Ellner has collaborated with over 314 financial advisors, insurance specialists, and CPAs. Together, we build tailored benefit programs that empower private business owners to reward talent, safeguard assets, and minimize tax liability.