Business Planning​​​​​​​

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401(K) plans are tax-deferred retirement savings plans for employees. The employer sets them up, and each company has a slightly different 401(k). They are part of a family of retirement plans known as “defined contribution” plans—the amount contributed is defined by the employer or the employee.



401 (k)

Business Planning


Golden Financial Group offers a complete line of insurance and group benefits for employers ranging from group health insurance to life and FSAs.

Many businesses today face challenges in attracting and retaining top employees. As a business owner, you know the importance of employee benefits and their contribution to your business success. We will work with you to develop a program tailored to your individual circumstances.


These products and services are designed to provide solutions to your personal and business financial needs, including:



Business Long Term Care

​​​​​​​​​​​​​​Long-term care is the type of care received either at home or in a facility, when someone needs assistance with activities of daily living, such as bathing and dressing due to an accident, an illness or advancing age.


Rising life expectancy means that the potential need for “long-term care” grows with every passing year of your life. The likelihood is that you or a member of your family will need long-term assistance due to a prolonged illness, a disability, or general deterioration of your health and ability to perform routine daily activities.

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Most long-term care expenses are not covered by Social Security or Medicare, Medicare Supplement (“Medigap”), or private health insurance. Medicaid pays for nearly half of all nursing home care, but you must meet federal poverty guidelines and may have to spend down most of your assets on health care.

Business Life Insurance

Group life insurance is an integral part of most employee benefits packages. Employees appreciate the value of life coverage and the additional security it provides to their families.

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Supplemental Life coverage, Accidental Death and Dismemberment policies, and Dependent Life insurance. The premium paid for Group Life Insurance is generally a business deduction, and this stand-alone contract is usually less expensive than the life coverage provided with medical / health insurance.

Business Disability

Long-Term Disability (LTD)

Long term disability (LTD) insurance is designed to help cover the employee’s expenses while their regular income is interrupted. Flexible plan design options and benefit alternatives are available to meet specific needs. This valuable protection is available with low-cost, tax-deductible premiums.

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Short-Term Disability (STD)

A steady income is essential for most people. If an accident or illness interrupts that income, it affects both the employee and employer. Short term disability (STD) insurance is designed to replace a portion of the wages lost when a short term disability occurs. An affordable, flexible short-term insurance plan can provide needed benefits to both the employer and employee