Business Planning
Owning a business is more than a career, it’s a legacy in motion. You’ve invested time, energy, and passion into building something that supports your family, your team, and your community. At Legacy Ensured Group, we help ensure that your business, and the people behind it, stay protected, prepared, and positioned for long-term success.
Whether you’re just starting out, expanding, or planning your exit strategy, our approach is built around clarity, continuity, and confidence.
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How We Help Business Owners Thrive
Your business is an asset and like any asset, it needs protection and planning. We help entrepreneurs and professionals create strategies that safeguard their company’s value, attract and retain key talent, and provide peace of mind for both business and family.
Our business-focused solutions include:
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Key Person Protection: Safeguard your company if a vital partner or executive becomes ill, injured, or passes away, helping the business stay stable during transitions.
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Buy-Sell Agreements: Ensure seamless ownership transfer with funding strategies that protect all parties involved.
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Executive Bonus & Retention Plans: Reward top talent with long-term benefits while strengthening loyalty and financial security.
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Business Continuation Strategies: Build a plan that ensures your business continues, even if you can’t.
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Living Benefits for Business Owners: Access funds through qualifying events like chronic illness or injury, so your business operations and your personal finances, remain stable in times of uncertainty.
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A Strategy That Protects Your Vision
Running a business comes with daily risks and long-term rewards. The right financial strategy helps you stay focused on growth, not “what-ifs.”
Take a moment to ask yourself:
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What would happen to my business if I couldn’t work due to illness or injury?
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Could my team or family manage operations or would the business stall?
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Is there a clear plan for ownership transfer if something unexpected happens?
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Am I building my company’s value in a way that protects both my income and my legacy?
At Legacy Ensured Group, we design solutions that let your business serve its greatest purpose, creating stability, impact, and generational wealth.
Because your business isn’t just what you do, it’s part of who you are.
Let’s protect it, grow it, and ensure it lasts for generations.
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Case 1: Protecting the Business When the Unexpected Happens
Meet Mark and Olivia, co-owners of a successful catering company that employed 25 people and served clients all over Central Texas. Their growth was steady, their reputation strong, until Mark, the operations lead, suffered a serious stroke at age 52.
Overnight, Olivia was left to manage every part of the business, contracts, and clients, while Mark focused on recovery. Income slowed, and expenses piled up.
Fortunately, their financial advisor had helped them implement a Key Person Protection Plan funded through life insurance with Living Benefits. Because of that decision, the business received an immediate infusion of cash through Mark’s policy when he qualified under the critical illness rider.
That money covered payroll, hired temporary help, and kept the company afloat during his recovery. It protected the team, their reputation, and Mark’s personal finances, allowing both partners to focus on what mattered most: his health and the company’s future.
A Key Person policy can be the bridge that keeps a business stable when a vital team member is suddenly unable to work, protecting employees, cash flow, and long-term value.
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Case 2: A Smooth Transition with a Buy-Sell Agreement
Meet Anthony and Claire, partners in a family-owned construction firm they’d built over two decades. Their business was thriving, but they knew that without a plan, the sudden loss of one partner could put the entire company, and their families, at risk.
With guidance, they set up a Buy-Sell Agreement funded by life insurance on each partner. When Anthony unexpectedly passed away from a heart attack at age 58, Claire was able to use the policy’s proceeds to buy out Anthony’s share from his family, exactly as agreed.
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This ensured Anthony’s family was fairly compensated, while Claire retained control of the company without financial strain. The transition was seamless, the business stayed strong, and the family relationships remained intact.
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A properly funded Buy-Sell Agreement eliminates financial uncertainty and emotional tension during difficult times — protecting both the business and the people who built it.
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The Legacy Ensured Approach
At Legacy Ensured Group, we understand that your business isn’t just about profit, it’s about purpose. Whether you’re protecting a partnership, securing your income, or planning your exit strategy, we’ll help you design a financial foundation that keeps your business and your legacy strong through every season.
Because when your business thrives, so does your family, your team, and your community.
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Empowering Families. Securing Legacies.
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