Triathlon Partners

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Small Business Benefits Broker for Your Business Success

Business Owner Planning | Triathlon Partners
Planning for Business Owners

One advisor responsible for the connections.

Triathlon Partners works with closely held business owners on the coordination of investment, retirement, insurance, and exit strategy decisions. The integration role across specialists, with a fiduciary standard and disclosed compensation.

Most business owner planning is fragmented. The CPA optimizes the tax return. The attorney drafts the estate documents. The insurance agent sells policies. Each is competent in their lane. None of them coordinates across lanes, and the seams between specialists are where wealth quietly goes missing.

Triathlon Partners takes the coordination role. We work alongside the client's existing CPA and attorney, not in place of them. Each specialist still executes their piece. The coordinator owns the connections — and notices when the tax strategy conflicts with the estate plan, when the buy-sell does not match the trigger it was drafted for, or when the qualified plan was designed for a smaller business.

·How We Advise

Five planning areas, coordinated as a single plan.

i.

Investment and Retirement Plan Management

Portfolio construction and ongoing management for individuals, business owners, and trusts. Qualified plan design and oversight, including 401(k), profit sharing, and cash balance structures. Individual rollover and IRA management coordinated with the broader plan.

ii.

Employee Retention Strategies

Continuity and key person coverage on the people who drive revenue. Retention structures beyond salary and bonus, including deferred compensation and executive bonus arrangements designed to hold key employees through the events that matter most to the business.

iii.

Buy-Sell and Continuity Strategies

Funded buy-sell structures for both death and disability triggers. Valuation reviews on a schedule the agreement actually requires. Cross-purchase, entity redemption, and hybrid structures coordinated with the client's attorney to match the funding to the trigger.

iv.

Benefit Packaging

Health, disability, and long-term care designed as carve-outs that convert business deductions into personal coverage. Executive bonus plans, group long-term disability with individual gap layers, and business overhead expense coverage on the owner.

v.

Exit Planning

Coordinated planning around a future business sale or transition. Deferred sales trusts, premium-financed life insurance for estate liquidity, and the financial planning side of the exit. Executed alongside the owner's CPA and attorney on the tax and legal components.

·The Coordination Role

We work alongside your CPA and attorney, not in place of them.

The CPA owns the tax work. The attorney owns the documents. The third-party administrator owns the plan compliance. Each role is necessary and none of them is replaced.

Triathlon Partners owns the role no one else is paid for: the connections across the specialists, reviewed against the business and the household as a single coordinated plan.

FINANCIAL
FORTRESS
For Business Owners
A fortress is not built for fair weather. It is built for storms and siege.
IRA S. KOYNER
About the Founder

Ira Koyner spent nearly three decades managing institutional risk at large global banks.

That background in foreign exchange options trading runs through how Triathlon Partners approaches planning. Strong outcomes do not come from optimism. They come from structure.

His new book, Financial Fortress for Business Owners, describes the planning discipline in detail. It is the second volume in the Financial Fortress series.

View on Amazon
·Next Step

A thirty-minute conversation to see whether we are a fit.

No preparation required. We discuss the structures currently in place, the gaps that may exist, and whether a coordinated planning relationship makes sense for your situation.

Schedule a 30-Minute Introduction

Triathlon Partners LLC · Connecticut-based registered investment adviser and independent insurance brokerage.

Achieving Long-Term Small Business Success Through Life Insurance and Employee Loyalty

Life insurance funds succession planning, deferred compensation plans and buyout capital for key employees. Succession planning is crucial for long-term small business success. Life insurance plays a major role in this process. If a business partner dies, becomes disabled, or leaves, it can create serious financial challenges. Owning life insurance on business partners helps avoid expensive loans and provides funds for a buyout to settle their estate. Permanent life insurance is a valuable asset because it grows tax-deferred, builds cash value, and offers a death benefit. This way, you can focus on running your business even during tough times.

Key Employees Deserve Retention & Reward Plans

A key employees departure will cause disruptions to your operations, lost revenue and client dissatisfaction.  Key employees need to be rewarded with retention packages. Permanent life insurance offers a death benefit and cash value that serves as a deferred compensation benefit. The firm controls the terms of the retention package, and they can be used for the employee to purchase equity in the firm. Therefore funding a buyout for your retirement, also creating smooth succession planning.

A robust employee benefit package fosters loyal and productive employees.  Disability, life and sick day benefits can be difficult for many individuals to afford as a stand alone policy.  As a group benefit the total cost is less, allowing you to purchase benefits for your employees who otherwise would be uninsured.  Since the benefits are tethered to their job, the value of the benefit can be perceived as greater than the actual cost.

Let Triathlon Partners ensure your small business success.

Providing The Best Resources

triathlon option 7

Key Employee Retention

Losing a key employee will cause a disruption in your firm’s operations, dissatisfied clients and negatively affect your bottom line. Triathlon Partners has proactive solutions that keep valuable employees happy and a cash cushion to help your firm withstand departures.

Learn More
triathlon option 7

TriathlonPartnersTV:

Our YouTube channel where Ira Koyner, “The Original IRA,” shares clear, actionable insights to help you make smarter financial decisions. From retirement planning and structured notes to tax reduction and wealth protection, each episode delivers practical strategies in plain English — all designed to help you align your money with your goals.

Learn More
triathlon option 7

Succession Planning

Selling your business can be ordeal, even when a clear buyer has been identified far in advance. Whether its a family business or sold to a key employee, financing the sale can occur years in advance. Proper planning results in greater tax efficiencies and keeping the valuations high.

Learn More

Providing the best Resources

Key Employee Retention

Losing a key employee will cause a disruption in your firm's operations, dissatisfied clients and negatively affect your bottom line. Triathlon Partners has proactive solutions that keep valuable employees happy and a cash cushion to help your firm withstand departures.

Learn More

TriathlonPartnersTV:

Our YouTube channel where Ira Koyner, “The Original IRA,” shares clear, actionable insights to help you make smarter financial decisions. From retirement planning and structured notes to tax reduction and wealth protection, each episode delivers practical strategies in plain English — all designed to help you align your money with your goals.

Learn More

Succession Planning

Selling your business can be ordeal, even when a clear buyer has been identified far in advance. Whether its a family business or sold to a key employee, financing the sale can occur years in advance. Proper planning results in greater tax efficiencies and keeping the valuations high.

Learn More