Business Solutions

Here at Fernandez Financial Group LLC, we offer a wide array of services to help business owners address their financial needs at every stage of the business life cycle. Taking into account their personal values and financial goals, we create and execute customized strategies to help entrepreneurs meet their objectives. Some of our key services are detailed below.

Qualified Plans

A retirement plan is one of the most crucial benefits you can offer to attract and retain top talent. Most employees expect that from a great employer. Whether you’re looking to start a plan or review and enhance your current plan, we can help.

Employee Solutions

A solid employee benefits package can help attract and retain top talent. Benefits can help differentiate your business from your competitors. We can help you create new benefits program or enhance your current one. We offer life insurance, long-term and short-term disability insurance, vision, dental, and critical illness insurance.

Executive Benefits

The success of most businesses is tied into the talent, passion and work ethics of their key executives. Executive benefit packages can help you attract, motivate, and retain high-caliber employees and keep your company healthy and stable. We can help you with funding non-qualified plans, supplemental employee retirement plans, split dollar plans, and more.

Succession Planning

Succession planning allows owners to leave their business on their own timeframe while preparing their company to be transferred to family members, key employees, an outside party, or even a charity. This must be done in a way that achieves personal financial security, maintains harmony, and achieves maximum value for the business.

Key Person Insurance

Key person life insurance offers a death benefit that helps indemnify an employer for the loss of one of its most important assets - the key person. This can help assure continuity of the business for employees, customers and creditors, and protects against losses in sales, momentum, and credit. It can also be used to assist with recruiting and developing a replacement for the employee.

Funding Buy-Sell Agreements

A buy–sell agreement is a legally binding agreement between co-owners of a business that governs the situation if a co-owner dies or leaves the business, whether by force or by choice. A funded cross-purchase buy-sell plan utilizes life insurance to help ensure that the arrangement is properly funded so that there will be money when the event is triggered.

Funding Deferred Compensation

Deferred compensation is a written agreement between an employer and an employee where the employee chooses to have part of his or her compensation withheld by the company, invested on their behalf, and distributed back to them at a pre-determined point in the future. Deferred compensation can be used as a flexible way to attract and incentivize key employees.

Financial Consulting Services

Your business. Our experience. Here when you need us.

Wish you had a dedicated financial advisor?

We can help — with the Financial Consulting Services program — providing the support you need at a frequency and fee structure that work for your unique business. Through this program you’ll work with a dedicated advisor who’s committed to understanding your business and can help you:


Why the Financial Consulting Services program?

Because engaging a financial advisor should be simple and on your terms.

Our advisors understand that your time is valuable and should focus on core business activities. They’ll help you find solutions to protect your business interests and help identify opportunities to offer your employees benefits that meet their needs.

Available when you need us

With Financial Consulting Services, you can select the service model that works best for you:

Subscription Service

Ongoing access to financial consulting services for a defined time period and an agreed upon fee

Point-in-time Service

As-needed access to financial consulting services, billed hourly or as a flat fee at an agreed upon rate

Solutions to meet your unique needs

We’ll work to help you protect the financial future of your businesses, your employees, and your lifestyle. This may include:

Protection and Corporate Risk Management

  • Key person protection
  • Business risk management

Promoting Value and Sustainability

  • Financial wellness
  • Key executive benefits & retention strategies
  • Employee benefits
  • Personal financial planning

Exit and Succession Planning

  • Buy-sell review and informal business valuation
  • Business transfer and succession strategies
  • Financial & retirement planning for owner, including legacy and estate planning
  • Financial planning for potential buyer