Our Services

 

 

 

 

CPI Companies1 is a diversified financial services firm whose clients are predominately business owners and other high net worth individuals. Generally, a holistic approach to planning is recommended for business owners.  Personal needs are linked to business resources and vice versa. 

 

Objective Business Review

This program for enhancing the value of a client’s business is designed to determine what does and does not work internally.  This includes analyzing the owner’s role in the business, the financial data of the business and systems to increase the productivity of key employees.  This process will help identify activities to pursue for increased success and to achieve financial independence.

 

Ø      Financial Independence Analysis

Ø      Business Roles/Relationship Analysis

Ø      Key Employee Motivation

Ø      Successful Acquisitions and Sales

 

Executive Benefit Planning

A primary objective of any business is to develop a financial relationship between executives and shareholders that will promote growth and profitability. Properly designed and implemented executive compensation packages help to bind these relationships.

 

Ø      Deferred Compensation/Salary Continuation Programs

Ø      Executive Bonus Plans

Ø      Golden Handcuffs

Ø      Performance Incentive Plans

 

Business and Estate Continuity Planning

Owners of closely held and family owned businesses face unique challenges because of their strong personal identification with and financial dependence on their firms. Strategies for business continuation, financial equity for active and inactive family members, attracting and keeping competent non-family managers and preparing for retirement without stifling cash flow of the business must all be addressed.

 

Ø      Estate Plan Design

Ø      Business Transition and Succession Planning

Ø      Valuation Discount Strategies

Ø      Intergenerational Transitions

Ø      Charitable Planning

 

 

 

Individual Financial Planning

Changing tax legislation, a proliferation of investment and insurance products, and reforms in retirement regulations have all contributed to an increased need for personal financial planning. CPI acts as the liaison between clients and their legal and tax advisors throughout the planning process.

 

Ø      Tax Planning

Ø      Retirement Analysis

Ø      Investment Allocation

Ø      Estate Planning

Ø      Disability Income Analysis

 

The Insurance Edge

Our insurance division, Comprehensive Insurance Programs, Inc., provides products from almost any carrier on a direct writing basis. CIP is a national insurance brokerage outlet providing design and underwriting expertise to only the most successful insurance professionals.  We are, in essence a “wholesaler” of insurance products to the insurance industry.

 

Ø      Product Analysis

Ø      Product Enhancements

Ø      In Force Evaluations

Ø      Specialized Underwriting Facilities

 

Investment Advisory

We have found one common denominator with our clients.  Outside of their business, they are all risk averse and seek reasonable investment returns.  We focus on understanding each client’s investment requirements including risk tolerance, time horizons and liquidity needs.  These specific investment parameters allow us to approach the marketplace proactively rather than reactively.

 

Ø      Corporate Qualified and Non-Qualified Plans

Ø      Personal Trusts & Estates

Ø      Corporate Non-Qualified Plans

Ø      Tax Managed Portfolios

Ø      Asset Allocation Modeling

 

Affiliated Services

CPI brings to its clients related services in corporate restructuring, employee benefits, property and casualty insurance and other financial services.  Each outside service is addressed through affiliated companies operating independently of CPI.  The coordination of the efforts of this “Professional Consortium” is what ensures CPI’s clients of the greatest opportunity to reach their financial goals.

 

Ø      Corporate Finance Transactions

Ø      ESOP Structures

Ø      Mergers and Acquisitions

 

1  CPI has two divisions, Comprehensive Programs, Inc. (which as two d/b/a sides: CPI Capital and CPI Advisors) for planning and investment services and Comprehensive Insurance Programs, Inc. for insurance services.

 

Securities offered through CPI Capital, member FINRA / SIPC