For Business Owners
If your business is your paycheck, your family's safety net, and a big part of your retirement plan, you deserve more than a product pitch. We help owners in Colorado and Minnesota plan for dependable income after the business, care costs, and family protection — in clear, everyday terms, without pressure.
Most owners pour everything into the business and quietly assume it will fund their retirement. Sometimes it does. Often it doesn't. Industry research suggests roughly 1 in 5 owners have little or no retirement savings outside the company, and a large share of businesses that go to market never actually sell. The business may be valuable — but that doesn't automatically mean your personal income is secure, your spouse would have liquidity, or a health event couldn't derail the plan.
We help you separate those risks, so your future doesn't depend on a perfect exit.
You don't need to know what anything is called. These are the questions owners bring us:
How we help · 1
Extended care is one of the largest unplanned costs an owner or spouse can face, and Medicare doesn't cover long-term care. Planning ahead protects your savings, your spouse, and your family's choices — before care becomes urgent.
Worried about paying for coverage you might never use? Hybrid policies answer that: they pay for care if you need it, or leave a benefit to your family if you don't. And depending on how your business is structured, some or all of a long-term care premium may be deductible — we coordinate with your CPA to confirm what applies to you. We don't give tax advice; we make sure the right professional is in the conversation.
How we help · 2
Picture it: you're 62 and selling the business next year. The proceeds have to last thirty years — and they can't afford a bad market in year one. This is where many owners get hurt: retiring or selling into a downturn can permanently dent a nest egg.
We help owners build an income floor — predictable, guaranteed income that covers the essentials for life — and coordinate it with Social Security timing, so the rest of your money can stay flexible. Not a product pitch. A plan for turning business success into income that shows up every month.
How we help · 3
When an owner dies, a family can inherit value on paper — and a cash problem in real life. Household income shifts when one spouse passes, and a business interest isn't the same as money in the bank. We help owners review the survivor income gap and use life insurance to make sure the people you love get liquidity, not loose ends.
And death isn't the only risk to plan for: if an illness or injury kept you out of the business for a year, disability coverage can keep household income arriving while you recover — we help owners put that protection in place too.
How we help · 4
If you or key people in your business are Medicare-eligible, there may be a group approach worth comparing against individual coverage — and depending on your cash flow and structure, it can be a more efficient way to handle it. Whether it fits depends entirely on your situation, so this is a conversation, not a pitch. We'll walk through it with you in clear, everyday terms and tell you honestly if the ordinary route serves you better.
You own a business or practice and it's your primary income source
You're within roughly 5–15 years of stepping back — or just want the risk off your mind
A spouse, family, partner, or key employee depends on the business
You want guidance in clear, everyday terms, not a sales script
You're looking for investment management or stock picking — we'll point you to an advisor
You need tax strategy or legal drafting — that belongs with your CPA or attorney
You want a business valuation or full exit architecture — we'll refer you to the right specialist
You just want the cheapest quote with no planning context
Answer a few quick questions and we'll have context before we ever talk. No cost, no pressure — and if you're better served by your CPA, attorney, or an advisor first, we'll say so.
Perle & Co. is an independent insurance brokerage. We handle the insurance and income side: care planning, life insurance, guaranteed-income strategies, and Medicare guidance. We deliberately stay out of the tax, legal, and investment lanes — and when your situation calls for a CPA, attorney, financial advisor, or plan specialist, we'll say so and work alongside them, not around them. Your other advisors stay yours.
One structured conversation is enough to tell whether this is an insurance question, a referral, or both. No fee for the conversation, no pressure, and no obligation — and we'll tell you honestly if you don't need anything.
A no-cost conversation is the easiest way to find out whether there's anything worth doing — and whether we're the right people to do it.
Perle & Co. is a licensed independent insurance brokerage. We provide insurance guidance — not tax, legal, or investment advice; please consult your CPA, attorney, or financial advisor for those matters. Product availability, features, and guarantees vary by carrier and state and are subject to the claims-paying ability of the issuing insurer. Statistics referenced are directional figures drawn from industry research.
Perle & Co. is not connected with or endorsed by the U.S. government, the federal Medicare program, the Centers for Medicare & Medicaid Services, the Department of Health and Human Services, or any state Medicaid agency. We do not offer every plan available in every area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. See our full Disclaimer.
Perle & Co. is an independent insurance brokerage helping people with Medicare, retirement income protection, long-term care planning, life insurance, Social Security timing, and related insurance decisions. 2026 Perle & Co. Insurance guidance, not tax or legal advice.
Licensed insurance brokerage. Product availability, licensing, and appointments vary by state.