Business Continuation



How do you keep talent within your company? What would your company do if key executives left your company and started a competing company or went to work for a competitor? Structuring a compensation package with incentives that keep key people in place is an essential part of an effective business plan. Simply offering a large salary puts you in a position where a competitor can offer more – and hire the key people who know your business and your customers.

Golden Handcuff Plans are compensation packages that reward your best people in ways that will encourage them to work with you for the long term. Non-competition agreements are often interwoven with incentives so employees have significant downside risk if they move to a competitor or decide to launch a new company and take your clients.

Key Person Insurance mitigates your company’s financial loss if a key executive dies prematurely. The benefit level is usually designed to cover possible lost profits, recruiting and hiring a suitable replacement person.


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Executive Compensation



Companies and their owners can be especially vulnerable if a key person dies or becomes disabled. Oftentimes, this person's leadership, entrepreneurial skills, network of contacts and expertise drives the company's success and these elements are not easily replaced. Companies face continued overhead expenses, and reduced income when disability or death intervene.

Thorough strategies can minimize the financial impact of disability or death on the survivors and the company. Providing adequate financial protection for key executives with life insurance, disability and disability buyout insurance is an important consideration in business strategies.

Life Insurance for executives, business owners and officers can be structured to benefit the company and surviving family members.

Life insurance may also fund a buy-sell agreement after the death of a business owner. The buy-sell agreement outlines a successor plan for company ownership. The life insurance provides the money for the strategy to work.

Disability Insurance

The disability of company owners, partners or officers can bring havoc to a business and to the disabled person. Disability insurance is structured to pay a percentage of the person's salary in the event of a disability. For very highly compensated individuals, special planning may be required to provide an adequate level of benefits.

Disability Overhead Expense Insurance

For professional and many small businesses, there is a specially designed disability policy that provides payment to the company, for their fixed overhead expenses that continue in the event of a disability. This policy can provide payments for office rent, employee salaries, and many other fixed expenses that will continue.

Disability Buyout Insurance

When a disability is permanent and it is unlikely that an owner or partner will return to work, disability buyout insurance funds a buy-sell agreement that's already in place. The disabled employee receives a previously agreed-upon sum for his or her ownership in the company. The business continues with a new owner or partner and the disabled owner receives a fair payment for their share of the business.


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Qualified Retirement Plans



Qualified retirement plans remain one of the most effective strategies for a person to adequately save for their future retirement years. However, qualified retirement plans have limitations. Attracting and retaining key people often requires the use of supplemental retirement benefit programs. We are well versed in the rules for qualified retirement plans and investigate the best plan or plan combinations for a company’s use to achieve their goals. We’ve also helped many of our business clients create attractive supplemental retirement plans for their highly compensated employees that provide benefits in excess of those allowed by qualified plans.


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This information should not be considered as tax or legal advice. You should consult your tax and/ or legal advisor regarding your own situation.




Investments & Fee-Based Financial Planning



Securian Financial Services, Inc. (Securian) is a registered investment advisor and securities broker-dealer offering a range of financial services and investment instruments, including investment advice, securities and insurance products, to the individuals, businesses and other organizations that we service.

Jade Osborne and Bobbi Brumsey are Registered Representatives and Investment Advisor Representatives affiliated with Securian Financial Services, Inc.

Securities and investment advisor services are offered through Securian Financial Services, Inc., member of FINRA/SIPC.

Osborne-Brumsey & Associates, Inc., is independently owned and operated.

We provide inivestment advisory services to individuals, businesses, trusts and estates, charitable organizations and pension and profit sharing plans. Our advisory clients may also be our brokerage services customers, and our brokerage clients are not necessarily advisory clients.

Depending upon your needs and the service you select, we typically emphasize the development of an overall investment strategy that is carefully tailored to your needs and objectives. Our emphasis is on providing the investment advice that fits you, the investor.

We offer the following categories of investment services:

  • Financial and business Services - We prepare recommended financial programs for individuals that encompass investments, insurance coverages and retirement benefits. These financial programs are based upon an analysis of your financial circumstances and objectives. Our business services include analysis and strategies for succession strategies, qualified and nonqualified benefits and group benefits.
  • Investment Services - We provide asset allocation services directly to you, using investment strategies to allocate your assets through some or all of these options:

      • Several mutual funds
    • Variable Insurance Products
    • Individual securities or a combination of individual securities and mutual funds
    • One or more independent money management firms, which then manage portfolios of individual securities held in your account.
  • Referral Advisor Services - We assist you in selecting and participating in a wrap fee, mutual fund asset allocation or other investment advisory services program sponsored by another investment management firm.
  • Seminar Services - We conduct educational seminars on various investment-related topics. The content of our educational seminars is informational and not intended as a specific investment advice purporting to meet the investment objectives or needs of specific individuals.
  • Fee-Based Financial Planning

Separate from the financial plan and our role as financial planner, we may recommend the purchase of specific investment or insurance products or accounts. These product recommendations are not part of the financial plan and you are under no obligation to follow them.


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