Business Planning and Insurance Solutions
Protect, Grow, and Transition Business Wealth
PH Robb delivers comprehensive insurance-based planning for business owners, helping protect company value, manage tax exposure, and build lasting legacies.
Insurance Planning for Owners and Executives
Closely held businesses represent both opportunity and risk. PH Robb supports business owners with tailored life insurance strategies that safeguard leadership, fund buy-sell agreements, and support family protection.
We work closely with each client’s legal and financial team to design solutions that serve the entire lifecycle of business ownership—from growth and risk management to transfer and succession. With expertise in life insurance consulting, we provide planning that aligns personal wealth, company needs, and future objectives.
Business Succession and Estate Planning Integration
Succession isn’t just about transferring ownership—it’s about preserving value across generations. We structure strategies that coordinate estate planning with transition planning, ensuring liquidity is available when it matters most.
Through the use of advanced estate planning strategies, we help owners reduce estate tax exposure, avoid forced sales, and maintain control over how their business legacy is passed on. We also assist in balancing business equity among children or co-owners in complex family or multi-partner scenarios.
Premium Financing for Business Liquidity
Many business owners benefit from capital-efficient planning tools. PH Robb provides access to life insurance premium financing, allowing clients to secure significant coverage while preserving company or personal liquidity.
Financing allows business owners to secure the insurance coverage they need for key-man, business succession, or buy sell planning purposes, while keeping more cash in the business.
Building Strategic Value With Expert Guidance
With talented workers in high demand, it is more important than ever for businesses to offer competitive employee benefits and retention plans to recruit and retain key employees. PH Robb specializes in designing competitive benefit plans, sometimes referred to as “Golden Handcuffs”, which gives the business an advantage over its competitors and increases the value of the company to potential buyers.
Whether planning for a future sale, generational transition, or corporate restructuring, we help business owners move forward with confidence.
Let’s Protect What You’ve Built
Contact PH Robb to learn how our insurance-based business services can support your goals in succession, liquidity planning, and long-term wealth preservation.