Cornerstone Consulting Group, LLC

308 N. 21st Street, Suite 650
St. Louis, MO 63103
Phone (314) 667-4978
Fax (314) 667-4976

4040 Embassy Parkway, Suite 310
Akron, OH 44333
Phone (330) 665-2376
Fax (330) 670-1081

Business Planning

Employer Planning

It’s never too early to start planning for the future of your company. We provide in-depth analysis and plan design to get you on the right track with the following solutions:

  • Business Succession Planning
    Planning for a company’s continued success beyond the full time involvement of owners or key executives in the business requires a carefully designed and executed strategy. Business succession planning involves a variety of options, such as buy/sell agreements, stock redemption, transfer to next generations, ESOPs, legacy planning, and valuation — all core factors in a company’s longevity.
  • Income Tax Strategies
    Income tax is also an important consideration for any business, regardless of size. Corporate structure analysis and leveraged benefit plans can help reduce unnecessary spending and identify how to best distribute costs.
  • Asset Protection Planning
    Another contributing factor in streamlining and protecting the business you’ve worked hard to build is asset protection planning, which can be structured via independent third party analysis, liability analysis, and the design of creditor and predator solutions.
  • Executive Benefits
    Finding the right executives for your company is a challenge on its own. Executive benefits enable you to selectively reward key employees and executives of your business, and help you to attract the key executives who will contribute to your company's growth and profitability. A well-designed executive benefits program provides incentives that help retain your key employees and executives for the longest possible time.

    We design, implement, and administer executive benefit plans that supplement restrictive qualified retirement and group insurance plans. We create executive benefit plans that are cost-efficient and effective. These plans include:
    • Executive Life Insurance – In addition to providing a variety of non-qualified benefit programs to help attract and retain the best executives for your company, executive life insurance benefits can also provide:
      • Funds to aid in the search of a replacement in the event of a death of a key employee.
      • Funds to aid in the continuation of your business in the event of a death of a key revenue generator.
      • Options for succession planning via liquidity to purchase the ownership interest of a deceased owner.
      • Debt protection in the form of funds to pay off lines of credit.
    • Executive Disability and Long Term Care – A disability could be devastating to the financial, professional, and lifestyle goals of an executive. As an employer, you want to minimize the effect of both the cost of coverage of executives and the effect of the disability on the company. Being prepared can make a big difference.
    • Executive Group Term Carve Out Plans
    • Executive Bonus Plans
    • Salary Continuation Plans
  • Our programs are designed to help meet your executives' personal needs and goals within the context of your overall corporate financial goals. We are prepared to help you find the right protection for you and your executives.

Employee Planning

Many employers today are struggling to contain the cost of their benefit programs. Employers are finding that although their benefits do not directly impact the value of their products or services, they are a large part of their pricing. Competition requires these costs be minimized. We can help you choose a cost-efficient employee benefits package.

We are an independent benefit consulting firm that specializes in the design, implementation, and negotiation of the funding for the following employee benefit plans:

  • Retirement Plans
    • 401(k)s
    • Profit sharing
    • Defined benefit plans
    • Defined contribution plans
    • Split defined benefit plans
  • Key Man Insurance
  • Key Employee Bonus Plans
  • Golden Handcuff Plans

The employee benefits marketplace is volatile and complex. We provide your company with informed, versatile, and responsive assistance. Our employee benefits team has the knowledge and experience to reduce the headaches often associated with choosing, maintaining, tailoring, and changing employee benefits programs. We work with the major providers of group employee benefits programs across the country so we know what the latest products are and what these products cost.