Owner Programs
Harborstone has built a local team of experts with over 65 years of business experience. We are ready to work with you to help you leverage the equity you have built in your company. We can show you how to use the value of your business to provide for you and your family for many years.
Experience Counts...
Kent Brady brings over 30 years experience to the business team at Harborstone. As a former business owner, Kent understands the real issues that business owners face. Kent is ready to help local business owners build attractive employee benefits packages.
A Local Team for Local Business Owners.
Harborstone is committed to providing local businesses unique solutions to help business owners succeed. We have built a local team of experts with over 65 years of business experience to help you leverage you business to provide for you and your family for many years to come. In addition, we can help you with your banking and lending needs. You will find that when we work with you, we listen and then establish a number of recommendations that can help you start, manage and grow your business. Some of the questions you may face today as a business owner include:
How do you take care of the profit makers of your company?
Do you really know all the ways to use your company to benefit you and your family?
Are you using your company to build wealth for you and your family?
Are you using all the tax-breaks that are available to you as a business owner?
Do you have other concerns as a local business owner?
Other Products and Services
How do you take care of the profit makers of your company?
Every company has a few key employees that are real profit makers for the firm. Non-discrimination rules in the 401 k and other retirement plans sometimes make it difficult to reward these key players while maintaining the tax advantages of a qualified plan. Our research has uncovered a variety of exciting ideas that can provide you with tax-deductible plans to properly compensate the profit makers.
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Do you really know all the ways to use your company to benefit you and your family?
It is not uncommon for a business owner to get so intent on running his/her company that they can catch "Business Myopia". The primary symptom of this malady is expecting "the business" to take care of the owner and his/her family automatically (without careful owner/employee planning). Owning your own business is a wonderful way to take advantage of dozens of tax breaks and planning vehicles to reward you and your family for all the extra risk and hard work for you, the owner. It takes time and planning to accomplish this-we can help.
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Are you using your company to build wealth for you and your family?
Will the sale of your business be your retirement plan? Will it be enough? Will it be the right time to sell when you want to step aside? Do you have buyers, partners or key employees lined up to succeed you? Can they buy the company, make a profit and still pay you what you deserve? We not only have the questions, but we have some of the answers, too.
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Are you using all the tax-breaks that are available to you as a business owner?
Are you sure? The Internal Revenue Code is a very generous tax advantage vehicle for business owners if you know how to drive it. Most of these advantages are little known employee benefit plans for owner/employees that you will not find in your employee benefits manual. Let us put our 65 years of experience and idea sharing with other successful business owners to use for you. We are sure we can find a tax-deductible idea or two you have not thought about.
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Do you have other concerns as a local business owner?
We would like to hear from you. These questions only scratch the surface on what business owners face today. With over 65 years of business experience, Harborstone's Business Advisors can help with your questions - or find someone who can. Our mission is to help your business succeed. Contact a Business Advisor for a complementary consultation on how to increase the value of your business and ensure a sound future for you and your family.
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Harborstone Has the Owner Programs You Need to Succeed In Today's Market:
Income Protection
Wage Continuation
Differed Compensation
Key Person Insurance
Buy/Sell Funding
Succession Planning
Estate Planning
Financial Planning
Retirement Planning
Contact a Business Advisor for these and other business owner products and services
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Employee Benefits Programs
As a Harborstone Member Business, there are many programs available to help you attract and retain quality employees. Some questions you may be facing include:
Are your employee healthcare costs out of control?
Are you and your employees satisfied with the level of advice and counsel you are getting on your retirement plan(s)?
How can you add more value to your employee benefits programs without a significant increase in costs?
Have you considered the value of employee membership banking programs?
Business Lending
Harborstone has developed a variety of lending solutions to meet the needs of your business. Good lending solutions can help you grow your business, meet your day-to-day cash flow needs and ensure you have funds for short-term needs.
Online Banking
Harborstone has developed a variety of deposit solutions to meet your daily cash-flow needs while saving you time and money. Your deposit accounts are an important asset to your business and we understand that as a business owner, you have limited time to manage your day-to-day tasks. We can help by matching you with the right type of account.
Online Banking and Business Bill Pay
For greater account control, try our FREE Online Banking where you can view balances, transfer funds and order checks 24 hours a day. For even more control, enroll in Business Bill Pay and control your cash float by timing when your bills are paid. Say goodbye to stamps and envelopes.
Cash Management Solutions
At Harborstone, we have a variety of solutions to meet your Cash Management and Cash Flow needs including Cash Sweeps, ACH, Online Tax Payments and Wire Transfers. These solutions
It's easy to switch to Harborstone
We understand the switching your accounts from one financial institution to another may be intimidating. That is why we provide a convenient Switch Checklist to get you started. Or , if you prefer, visit any of our branch location and we'll help you make the switch.
Need additional assistance?
If you are interested in learning more about any of Harborstone's business solutions, please visit your local Harborstone branch or request that a Harborstone Business Professional contact you by using our online form or calling (253) 584-2260 or 1-800-523-3641.
