Business Services

As a business owner, you have enough on your mind without having to worry about your insurance needs. You want to have the confidence that the business you’ve built is covered by a company that understands your business’ financial needs.

IFG Founder Cathy Cunningham understands this better than most in the financial industry. In 1992, Cathy’s husband started an Environmental Services company in Atlanta, GA, growing it into a multi-million dollar company. For 25 years, Cathy’s involvement in the company gave her firsthand knowledge and experience of what every business owner faces through the important life cycles of business. She has a deep understanding of the importance of Business Preservation and Protection, as well as the ongoing financial needs, and challenges, every business owner deals with.

Business Preservation

Businesses and their owners generally pass through several identifiable stages during their business life cycle. Business Preservation and Protection is the first stage: Helping to ensure protection against unexpected pitfalls.

• Would your business be threatened by the death of a key employee?
• Regulations change. Have your plans kept pace? When was your last “checkup”?
• What about your partners? Do you have a buy/sell plan in place? How is it funded? What is your businesses current value?
• What about Employee benefit plans? Just as important, what are your “Selfish Benefits”?

KEY EMPLOYEE
Key person insurance is simply life insurance on the key person in a business. In a small business, this is usually the owner, the founders or perhaps a key employee or two. These are the people who are crucial to a business–the ones whose absence would sink the company. You definitely need to consider key person insurance on those people.

BUY-SELL
Without a business succession plan, the death of an owner can create problems for the business owner’s heirs and the business itself. In fact, many businesses do not survive upon the death of one of the business owners. A buy-sell agreement can help ensure the business continues after an owner is no longer around.

EMPLOYEE RETENTION
Multiple generations in the workforce simultaneously can make benefits a tricky issue for businesses. The key is understanding how benefits can help you attract and retain top talent by offering the right solutions for each generation.

BUSINESS CHECKUP
When was the last time your business had a “checkup”? When was your last business valuation? Have things changed? Let our trained team of business experts provide a free audit of your situation.

Business Financial Solutions

Small business owners are largely under-served in the financial industry.

In the early years of a business, cash flow is tight. Every penny is used to keep the business afloat. Savings habits need to start as soon as possible but are sometimes pushed aside because the business is hungry and must be fed. Often, small business owners feed this hunger by acquiring substantial debt – for new employees to grow the business, more marketing dollars to sell their product or service, and the list goes on and on.

We’ll show you how to:

• Turn Cost into assets.
• Manage cash flow.
• Reduce risk.
• Save money on taxes now and in the future.
• Produce a Tax-Free Stream of Income for your Retirement

Our system can help you put together a solution to fund these expenditures. Here are some of the many ways businesses often utilize working capital:

• Fund Payroll
• Travel Expenditures
• Marketing and Advertising
• Lease/building space expenses
• Purchase large equipment
• Company Automobiles
• Factoring
• Acquisitions & Mergers
• Benefits to attract Key Employees
• Employee Benefits and Retirement Programs

We can show you how to access a great source of funds for these expenditures. Whenever a business owner utilizes the advantages of this system, their reliance on financial institutions for working capital quickly diminishes. In time, the business can produce 100% of its own financing needs, independently.