It's our business to better yours
Wealth management, investment banking, and insurance planning services for businesses
Private and family-run businesses are the lifeblood of our communities and local economies. We have helped these businesses and their family owners achieve their objectives for 50 years. While each business is inherently unique, they nevertheless share common goals and concerns, such as value creation and the need for continuity planning. Our job and commitment, be it through our relationship model or unwavering commitment to client advocacy, is to be your trusted advisor in the pursuit of success – as you define it.
Wealth Management
BaldwinClarke takes great care to learn and understand your complex needs in order to create highly curated and focused programs. Learn more below about our umbrella of fee-based, fee-only wealth management services for businesses. For those of you with more socially conscious-minded objectives, we also encourage you to check out our sustainable investment strategies.
Investment Advisory
BaldwinClarke’s investment advisory services are designed to assist businesses and their boards efficiently manage their liquidity and help transition more of their hard-earned assets into earning assets.
- Highly experienced advisors in partnership with industry leading record keepers, TPAs and consultants
- Professional investment management
- Open architecture investment platform
- Oversight and fiduciary outsourcing
- Streamlined plan administration
- Periodic performance reviews (e.g., quarterly, semi-annual or annual)
- Quarterly newsletter, which includes:
- Macro-economic environment
- Equity and fixed income markets
- Employee education
- Access to our vast network of resources
- Access to environmental, social, and governance investing (ESG), if interested
- Plus more
401k Advisory & Management
- An investment policy statement.
- A survey of TPAs and recordkeepers, including existing providers, if desired.
- An unbiased selection of mutual funds from a wide universe of options using our proprietary screening process. There are no “mandatory” funds.
- Model portfolios for different risk/return objectives to facilitate participant investment selection (ESG models can be included). Model performance is updated quarterly.
- Quarterly performance reviews and newsletters.
Qualified Plan Design & Consulting
Advanced pension, cash balance, profit sharing and 401(k) plan designs intended to maximize tax planning opportunities for highly compensated employees while still providing for all other participants.
- A review of existing plans to determine advanced planning opportunities.
- Projection of benefits and costs for the current plan and a proposed plan.
- A pathway to virtually eliminate fiduciary risk for plan administration and investments.
Investment Banking
We are a highly experienced team with complementary capabilities and a track record of success in executing transactions and accelerating value creation. We are a middle market focus firm that seeks to partner with exceptional management teams in industries where our expertise and network of resources complement management’s business objectives and strategy.
Over the years, we’ve found that the difference between a deal that generates exceptional
returns and one that disappoints depends on the process, positioning and execution that go into developing a strong transaction strategy.
Want to Know More?
Take a deeper dive into BaldwinClarke’s M&A capabilities, processes, timelines, and selected transaction tombstones.
Buy-side & Sell-side M&A Advisory
Our M&A processes are tailored to the specific needs of each individual client. In all our engagements, we emphasize confidentiality, exhaustive research, sophisticated deal structuring, effective negotiation, and ongoing due diligence support all the way through closing.
- Executive-led deal team bringing additional depth to our clients
- Deep domain expertise and operating experience
- Custom deal structure and approach on every transaction
- Carefully curated marketing documents
- Multi-faceted outreach program used to identify the right buyer for our clients
- Process to drive the most favorable deal terms for our clients
- Plus more +
Debt & Equity Capital Advisory
We help clients plan for and develop strategies to acquire debt and equity capital for growth and development. We identify, structure, and help execute diverse and innovative transactions that provide our clients with the broadest possible range of opportunities to attain their goals.
- Executive-led deal team bringing additional depth to our clients
- Evaluate the optimal capital structure
- Prepare management for a transaction
- Prepare all of the marketing documents
- Identify and pre-qualify buyers
- Negotiate the most favorable terms for our client
- Plus more +
Business Valuations
We perform valuations for our clients that satisfy both strategy and formal planning needs. Our process, which incorporates practical experience, thorough industry research, and empirical data, is further complemented by our perspective as investment bankers. Our involvement in the capital market and as deal makers allows us to understand “real world” values in a manner not available to many other professionals, enabling us to more closely determine true value.
- Independent advisory firm with an experienced valuation team focused on providing superior client service
- Appraisals completed across a wide range of industries, including business services, consumer retail, distribution, healthcare, manufacturing, real estate holding companies, software and transportation, among others.
- Reports utilized to provide defensible documentation for estate, gifting, and compensation initiatives.
- Insights to assist with sale, strategic and management planning.
- Completed over 350 appraisals.
- Plus more +
Insurance Planning
Business ownership often calls for special life insurance needs. Our planning process Identifies and quantifies those needs and provides the best solutions. Today’s life insurance policy designs are enormously complex and the wrong product for a particular solution can bring unwanted surprises. As independent brokers, we find the right product with the right company. We offer the following insurance planning services for businesses.
Shareholder Life Insurance Planning
Life insurance can convert your business value into cash for your family if you were to die prematurely. It can also avoid a forced sale of your company for the payment of estate taxes. Be it locking in hard earned business value, or funding critical partnership and employment agreements, life insurance can play a critical role in your risk management and continuity planning.
- Funding for corporate loans
- Funding shareholder agreements
- Key person protection, especially if business success is directly dependent on him or her.
- Funding estate and inheritance taxes
- Funding an executive benefit arrangement specific to the shareholder’s needs.
Executive Benefit Planning
It is difficult to find top notch managers and often harder to retain them. An executive benefit plan can reward these valuable team members for their past performance and can encourage them to continue adding value to your organization for years to come.
- A bespoke plan design tailored to your company’s unique circumstances, rather than fitting your company into ‘’a plan”.
- Customized plans for each key employee’s specific situation whenever possible.
- Plan funding strategies consistent with your company’s financial and tax planning.
- Detailed projections of plan impact on cash flow and taxes.
- Actuarial calculations required for financial statement reporting
- Plus more +
Key Person Insurance Planning
- Assist in the identification of key personnel
- Analyze the economic impact that the loss of each key person would have on the business.
- Advise on the amount, type and ownership structure of an insurance based plan.
- Plus more +
Want to know more?
Do you own a business?
You typically only get one chance to get things right.
— Jack Clarke, Co-founder & Principal
