Key Man Insurance
& Executive Compensation Experts

Plan Ahead Before You Reach Rough Seas

New call-to-action

Our Strategic Business Planning Services

Key Person Insurance

Protecting your business from the loss of a key person is critical so you’re still able to sail and keep your business running without them.

We can help determine the potential economic impact and what it takes to cover your business in case one of your key employees passes away unexpectedly or becomes disabled.

Learn More

Executive Compensation

While we’re not saying you need to give every executive the keys to a brand new fishing boat, the right compensation plan could actually be your key to lasting success.  We can help determine the best payment and benefit strategy to encourage executive retention and keep key personnel with your business for the long term.

Learn More

WayPilot Program

If you’re buying business insurance through traditional routes, you could be overpaying.

Our WayPilot Program is designed to allow businesses to secure essential insurance at the lowest possible price and with the highest probability of success.

Learn More

We Look At Key Person Insurance in 3D

What does it mean to look at key person insurance in 3D?
We look to protect your business as best we can from the 3 ways you can lose someone; by death, by disability, and by a decision to leave.
Don’t most advisors/brokers do this?
No, most advisors see key person insurance as death only insurance. Statistically, this is the least likely way to lose someone yet it is commonly the only protection put in place.
Why Choose Helm Financial For Key Person Insurance?
  1. We use a 3D approach to ensure your business is protected “from all angles”
  2. We are independent – we have no ties to big insurance companies or incentives to sell certain products over another
  3. We have pioneered an insurance acquisition process called the WayPilot Program where you shop actual rates, not speculative ones.

Is your business ready for the future?
These resources can help you determine that!

Meet Our Co-Captains

The founders of Helm Financial LLC, Zach Taylor (left) and Alex Grammatic (right), share more than just a strong love of the sea; we both agree that we are greater than the sum of our parts. We carry this team-oriented approach through all aspects of our client-focused mindset and have created a network of strategic partnerships with respected estate and business attorneys, CPAs and other financial experts. With unwavering optimism and a passion for continued growth opportunities, our primary focus is big-picture success for each of our clients.

Whether you want to talk about your latest fishing trip or chat about key person insurance, we’re all ears!

We Help Our Clients Win

He was declined 3 times and was told no insurance company would take him. Helm Financial secured a policy for him at a cost lower than expected using our WayPilot Program.

NH Business Owner

They were declined with every insurance company except 1. Helm Financial found them one on the first try using our WayPilot Program.

CO Business Owner

Saved over $150,000 using our WayPilot Program.

CO Business Owner
Saved over $600,000 using our WayPilot Program.
GA Business Owner
Saved over $150,000 using our WayPilot Program.
NH Business Owner
Saved over $75,000 using our WayPilot Program.
IN Business Owner
Saved over $250,000 using our WayPilot Program.
NH Business Owner
Saved over $125,000 using our WayPilot Program.
NH Business Owner

Managing Your Risk

The professionals at Helm Financial LLC can position you to offset risk caused by contract disputes, training replacements or a company buyout; the loss of specialized expertise, intellectual property and key employees; and events that impact sales and production. We are leaders in identifying business opportunities, and every member of our team understands how to reverse-engineer their clients’ business objectives into a wholistic, navigable plan. Our independent business consultants mentor clients to help them protect the value of their ownership interest.

New call-to-action

Prepare your business for the future by using our 3-D approach.

Contact us to get started.