Strategic Business Planning

Business Continuation | Business Retirement Plans  | Employee Benefits 
Life Insurance and Disability Insurance Long-Term Care Insurance
Health Insurance - Group BenefitsVoluntary Benefits | Transition Planning

Business Continuation

Collaborating with your other professional advisors, we design, implement and provide funding alternatives for business continuity and/or succession plans to help protect in the event of premature death or disability. By providing business valuation services, tax-deferred funding vehicles for buy/sell agreements and business succession plans, we can help your business succeed both today and plan for tomorrow.

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Business Retirement Plans

Most business owners could not sell their business and retire on that income.  They need to plan ahead, build the business to increase its value, and use their business to help diversify and grow their assets so that the sale of the business will only be a supplement to their portfolio.

Designing the appropriate qualified retirement plan for a business must begin with the following:

What do you want to accomplish?

  • The largest possible tax deduction?
  • The most flexibility?
  • Can more be provided for the owners or key employees than rank-in-file workers?
  • Can the employees participate with or without an employer match or contribution?
  • Could (should) there be more than one plan? A combination of plans?
  • What choice of investments should there be?
  • Will the plan be easy to administer?
  • What kind of service should we expect (need)?

We provide full services for qualified retirement plans through our affiliations; including plan design, administration and investment management services.

At retirement, we can help you determine how to best receive your retirement benefits, as well as help you address your retirement and investment concerns.

We offer the following plans:

  • Profit Sharing Plans - new comparability and age weighted
  • 401(k) Plans
  • Money Purchase Pension Plans
  • Defined Benefit Plans (traditional investments)
  • Defined Benefit Plans (412 (e) (3) – guaranteed interest*)
  • Cash Balance Plans
  • Simplified Employer Pensions (SEP Plans)
  • Savings Incentive Match Plan for Employees (Simple Plans)

*Guarantees are provided through life insurance and annuity contracts and are dependent on the claims-paying ability of the issuing company.

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Employee Benefits

Our custom-designed, qualified and non-qualified employee benefit programs include:

  • Equity Split Dollar, using corporate dollars for personal insurance
  • Executive Bonus plans, fully tax-deductible to the employer and totally selective in participation.
  • Deferred Compensation plans, providing maximum corporate flexibility and control
  • Salary Continuation plans, providing maximum security for key executives
  • Captive Insurance Plans

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Life Insurance and Disability Insurance

Life and disability insurance are about risk. Risk is the exposure to the possibility of loss, and it can be assumed, ignored, or transferred to a risk bearer. By asking the right questions and listening to your answers, we are able to recommend, and implement, strategies to help meet your personal and, or, business goals and objectives. Different needs require different types of insurance. Therefore, with life insurance we offer Term Life, Universal Life, Variable Life, Indexed Life and Whole Life to take advantage of their unique attributes when designing a plan for you. Through our strategic alliances with some of the country's leading disability providers, we can help you design and implement the appropriate disability insurance plan that will help you and your employees replace the flow of income lost due to periods of sickness or following an accident. Business uses also include "Key Man" and Disability Buy Out coverage.

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Long-Term Care Insurance

Long-term care is a key component to any estate and retirement plan. It is a very popular, tax deductible corporate fringe benefit and can be tax deductible to individuals as well. We are licensed with a number of leading companies and can help design a plan that is right for you. We can also use sophisticated hybrid policies which combine life protection along with LTC benefits.

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Health Insurance - Group Benefits

Health insurance is a key employer concern. We can search the marketplace for carriers which provide the appropriate coverage and networks. We can help design plans that are specific to our clients' needsand meet the requirements of the Affordable Health Care (ACA) Act. Group benefits include Life Insurance, Long-term and Short-term Disability Insurance and Dental and Vision coverage.We also offer plans that employees can purchase at the worksite which include both Life and Disability Insurance.

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Voluntary Benefits

Employees often have little exposure to individual insurance products. You can enhance employee satisfaction and reduce future demands for increased benefits by allowing us to offer pre-approved products to your employees. We can provide a case coordinator and an experienced staff of benefit counselors at your worksite. Popular coverage choices include life insurance, dental, supplemental medical, short and/or long-term disability, and vision care.

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Transition Planning

Selling your business and transitioning to the next stage in your life may be one of the hardest things that an entrepreneur will face.  We understand the complexities and issues of that change and have a proven process to help smooth out that transition.

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Norman Politziner is an  Investment Advisor Representative (IAR) of Kingsview Asset Management. He is also insurance licensed in the following states. Investment advisory services are offered through Kingsview Asset Management, LLC ("KAM") an investment advisor registered with the Securities and Exchange Commission.  The opinions expressed by Norm Politziner are his and my not necessarily reflect those of KAM.  NJP Associates may offer clients other financial services/products other than advisory services offered by KAM.  Investing in securities involve risk and are not suitable for all investors.

For individual tax or legal advice, please consult your appropriate professional advisor.

Contact Details

NJP Associates
47 Raritan Ave
Highland Park, NJ 08904

Phone: 732-296-9355
Fax: 732-296-9377
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

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