Financial Guidance That Meets You Where You Are
We offer personalized, hands-on service and are committed to making financial concepts easy to understand. That means removing confusion from insurance, estate planning, and wealth preservation, and working with trusted partners so your full financial plan stays cohesive.
Employee Benefits
Offering employee benefits isn’t just about checking a box; it’s about building a workplace that attracts and retains top talent. At ASHCON, we help businesses design and manage custom benefit programs with nationwide medical, dental, and vision plans while utilizing HSA and FSA strategies. We also implement and educate employees on voluntary group benefits such as short-term and long-term disability, life, and commuter benefits.
From plan design to employee education, we make benefits easier for you and your team.
Employee Benefits in Practice
Case Study: Building a Competitive Benefits Package for a Growing Tech Team
The Client: A fast-growing tech company with 18 employees, referred by their fractional HR team.
The Challenge: The company struggled to compete for talent against tech giants. Salaries were competitive, but the benefits offering felt basic and underwhelming compared to similar firms.
Our Approach
- Group medical, dental, and vision plans
- Life and disability insurance
- Voluntary benefits to offer flexibility
- An HSA-compatible plan with employer contributions
- A simplified onboarding and enrollment experience for employees
Our Approach
We benchmarked their existing offering against tech firms at a similar stage, then designed a more complete benefits package that stayed within budget. It included:
- Group medical, dental, and vision plans
- Life and disability insurance
- Voluntary benefits to offer flexibility
- An HSA-compatible plan with employer contributions
- A simplified onboarding and enrollment experience for employees
Our goal was to create a competitive offering that reflected the firm’s culture, budget, and long-term hiring goals.
The Outcome
The updated benefits package helped the company attract strong candidates for two open roles and improved morale among current employees. What had been a pain point became a selling point they now highlight in job postings and interviews. Their HR partner called the transformation “a night-and-day difference.”
Case Study: Retaining Key Leaders Without Expanding Company-Wide Benefits
The Client: A regional logistics firm with 75 employees, referred by their financial advisor.
The Challenge: While the broader workforce was well served, leadership recognized a growing challenge: their standard offering was not enough to retain key executives in a competitive market. During a review of executive compensation strategies, the company’s financial advisor identified this gap and the need to reward top talent without expanding costs.
Our Approach
- Individual disability insurance with enhanced benefit limits
- Permanent life insurance with long‑term care riders
- Fully portable coverage that executives can keep beyond their tenure
- Tax-efficient policy structures aligned with compensation goals
Our objective was to reward and retain key leaders with meaningful, customized benefits without increasing costs or changing benefits for the broader employee population.
Our Approach
Our executive carve-out program strengthened the firm’s retention strategy quickly. Key leaders expressed increased confidence in their long-term financial security, and two senior executives committed to extended leadership roles following the rollout. The company was able to reward and protect its top talent without restructuring benefits for the entire workforce, while the financial advisor gained a clear, repeatable strategy to support future executive planning discussions.
Our Approach
Our executive carve-out program strengthened the firm’s retention strategy quickly. Key leaders expressed increased confidence in their long-term financial security, and two senior executives committed to extended leadership roles following the rollout. The company was able to reward and protect its top talent without restructuring benefits for the entire workforce, while the financial advisor gained a clear, repeatable strategy to support future executive planning discussions.
Business Planning
Business planning is about protecting what you have built and preparing for what comes next. We work with business owners to align financial strategies with long-term goals, support leadership continuity, and reduce risk. Whether it is planning for key people, succession, or unexpected events, our role is to help you make informed decisions that support the business today and into the future.
We help business owners think ahead, manage risk, and make decisions that keep the business moving forward.
Business Planning in Practice
Business Continuity Through Life Insurance Planning
Business Planning: For business owners, life insurance is more than a safety net—it’s a strategic planning tool. It can fund buy-sell agreements, protect the business from the loss of a key partner or executive, and serve as a foundation for succession planning. Additionally, life insurance can be used to create executive benefit programs such as key person insurance or executive bonus plans, helping retain top talent while ensuring continuity and stability in the business.
Case Study: Protect What You Built From an Unplanned Exit
The Client:
Two business partners, ages 45 and 47, co-owners of a professional services firm valued at $6.7 million. Their CPA flagged a risk: the company had grown significantly in value, but there was no funded succession plan in place.
The Challenge:
Each partner’s ownership stake was worth approximately $3.35 million. If one partner passed away:
- The surviving partner would need $3.35M to buy out the shares
- The family would inherit ownership in a business they did not operate
- The company did not have liquid cash to fund the purchase
- A loan or outside investor could disrupt operations and damage company value
Our Approach:
Working with their CPA and attorney, we implemented a formal entity purchase buy-sell agreement to ensure liquidity without personal borrowing or operational disruption.
- A legally binding agreement with a defined valuation
- The corporation owning $3.35M life insurance policies on each partner
- The corporation named as the beneficiary
- Death benefit proceeds used to redeem shares at an agreed value
The Outcome:
- The surviving partner gains full ownership without debt
- The family receives $3.35M in liquid proceeds
- Employees and clients experience stability
- The business continues without outside interference
Long-Term Care Insurance Using Business Assets
Business Planning: For business owners, long-term care insurance is a powerful planning tool that can be tax-advantaged and fully portable. Policies can be structured as executive benefits or included in a business exit strategy to protect retirement assets and ensure a smooth transition. In certain business structures, premiums may be deductible, making LTC insurance a smart, strategic benefit that protects both personal wealth and business continuity.
Case Study: Using Business Dollars to Protect Your Retirement
The Client:
David, 61, owns a profitable C-Corp consulting firm. During a review of this retirement plan, his financial advisor identified a gap: long-term care exposure.
David had built significant retirement assets and a solid estate plan. But one extended care vent could quickly erode both.
The Challenge
David wanted to:
- Protect his retirement assets from future long-term care costs
- Avoid self-funding a six or seven-figure care event
- Use business dollars instead of personal after-tax income
- Keep his broader financial and estate plan intact
Our Approach:
Working alongside his advisor, we structured a traditional long-term care policy through his C-Corporation. Because David operates as a C-Corp:
- The corporation purchased the policy
- Premiums are fully deductible under IRS guidelines
- Benefits are not taxable income to David
This allowed him to reposition business dollars to protect personal retirement assets.
The Outcome
- Dedicated long-term care coverage is now in place
- His retirement portfolio is shielded from catastrophic care costs
- His estate plan remains intact
- The business funds the strategy in a tax-efficient way
Personal Planning
Personal financial planning should bring clarity and peace of mind, not uncertainty. We help individuals and families make thoughtful decisions around protection, long-term planning, and financial security. Our approach considers where you are today and how your needs may change over time, so your plan can grow with you.
We help you plan with clarity so your financial decisions support both today’s needs and tomorrow’s goals.
Personal Planning in Practice
Case Study: Life Insurance Planning for a Young Family
Balancing Immediate Financial Protection with Long-Term Planning
The Client:
Sarah, 38, married with two young children, referred by her property and casualty agent.
The Challenge:
Like many parents, Sarah wanted to ensure her family could remain in their home and maintain their lifestyle if something happened to her, while also planning for college and retirement.
Our Approach
- A 30-year term policy for $1 million to protect the mortgage, replace income, and cover the years when her children would be financially dependent.
- A $250,000 indexed universal life policy to provide long-term protection and cash value growth, well into retirement, and the flexibility to access funds in the future
- An IUL also allows Sarah to participate in market-linked growth (with downside protection), providing a supplemental tool for college expenses or retirement income.
The Outcome
Sarah now has peace of mind knowing her family’s immediate and long-term needs are covered. The term policy provides high-value protection at a low cost. The indexed universal life policy adds long-term protection and added savings potential. Together, the blended structure gives her coverage that can grow and adapt as her family’s needs change.
Clear Financial Direction Starts Here →
Let us help you cut through complexity and focus on what truly matters, so decisions feel manageable and intentional, not overwhelming.