Business Services

Barlocker Insurance Agency

If you own a business, a properly structured insurance program can be used to fund a buy-sell agreement, protect against the death or disability of a key person, or ensure a business continuation by providing a temporary source of cash flow.

At any given time, 40% of U.S. businesses are facing issues related to the transfer of ownership. Business owners must decide what to do with their businesses. Their options include closing the business, selling the business to a third party or passing ownership and control to a succeeding generation. Regardless of the business owner's decision, planning is of paramount importance. The creation of a succession plan, a financial plan for retirement and an estate plan will ensure a smooth transition of ownership.

Business Planning

If you own a business, a properly structured insurance program can be used to fund a buy-sell agreement, protect against the death or disability of a key person, or ensure a business continuation by providing a temporary source of cash flow.

At any given time, 40% of U.S. businesses are facing issues related to the transfer of ownership. Business owners must decide what to do with their businesses. Their options include closing the business, selling the business to a third party or passing ownership and control to a succeeding generation. Regardless of the business owner's decision, planning is of paramount importance. The creation of a succession plan, a financial plan for retirement and an estate plan will ensure a smooth transition of ownership.

Executive Compensation

Every employee is important, but a few are absolutely crucial. These are the key people that shape and define the business and its strategy. Attracting, motivating and training these individuals are the primary roles of a business owner or senior manager.

At Barlocker, we specialize in helping you identify and reward your Key Employees in ways that benefit both you and them.

Qualified Retirement Plans

Your company's employee retirement plans need to support the long-term interests of your company. At the same time, they must offer incentives that will help attract and retain employees. As regulatory and reporting requirements make qualified and nonqualified plans more time consuming to manage, your firm may prefer to outsource this function to an expert resource that can provide comprehensive services to you and your employees.

Estate Planning

As you continue to build your personal net worth, the financial issues and challenges you face become increasingly complex. While you probably have a long-term investment plan in place to grow your asset base, protecting and distributing your assets with maximum tax advantages requires sophisticated planning strategies.

To learn more about estate planning and who and what is involved, contact us today.

Investment Services

Managing your investments can be complex. That's why the wise investor adheres to time-tested fundamentals like diversification, asset allocation, and buying and holding quality investments. Investing, after all, is a long-term commitment that requires patience, discipline and a sound financial plan.

A trusted and knowledgeable financial advisor can help you build a properly diversified portfolio that may cushion you against market declines and help you profit from rising markets.

Employee Benefits

Your company's employee retirement plans need to support the long-term interests of your company. At the same time, they must offer incentives that will help attract and retain employees. As regulatory and reporting requirements make qualified and nonqualified plans more time consuming to manage, your firm may prefer to outsource this function to an expert resource that can provide comprehensive services to you and your employees.

Contact us today about our programs:

  • Dental
  • Vision
  • Voluntary Benefits
  • EAP
  • Cobra Administration
  • Wellness Programs

Life/Health/Disability

Life, Health and Disability insurance are financial tools that serve a specific financial purpose in general, to protect against the adverse economic consequences of death, illness or accident.

For example, Life Insurance can be divided into these two broad categories:

Term

Life insurance that provides coverage only for a specified period, usually 10 or 20 and in some cases 30 years.

Permanent

Life insurance that covers a person for a lifetime.

Each category contains several types, designed to cover a specific situation. For Term, these include Level, Decreasing and Group. Some different forms of Permanent are Traditional Whole Life, Universal, Variable Universal, Second-to Die, First-to-Die, and Single Premium.

Which is right for you? How much do you need? That should be determined by what you need it for, the specific circumstances and what you want to accomplish. At Barlocker, one of our qualified Life Insurance Professionals can help you decide.

Contact Us Today

Fresno Office

559-431-3380
Bill Barlocker

Bill Barlocker

Salinas Office

831-771-5344
Tina Barlocker

Tina Barlocker

Merced Office

209-383-0220
Josh Barlocker

Josh Barlocker