Small Business Financial solutions
"Maximize Cash Flow, Secure Your Future"
Imagine a Solution where your business’s cash isn’t just sitting idle but is actively working for you, all while remaining as safe and accessible as it would be in your checking account.
Sounds like a win-win, right? Well, that’s exactly what my team brings to the table.
Our approach to cash management is tailored to give you the best of both worlds:
The stability and access of a checking account
Combined with the growth potential you’ve been missing out on.
Whether you’re running a small business with a tight-knit team or overseeing a large company with thousands of employees, our strategies are designed to meet your unique needs.
We understand that as a business owner, you need cash on hand to navigate the unexpected and seize new opportunities.
But what if that cash could be more than just a safety net? What if it could also be a source of growth, adding value to your company without tying up your funds? That’s where we come in.
But we don’t stop at boosting your cash flow.
We also care about the people who make your business what it is—your employees.
That’s why our solution includes valuable legacy benefits through life insurance policies, all at no additional cost to you. It’s a perk that not only helps protect your employees’ families but also enhances your company’s appeal, making it easier to attract and retain top talent.
Think of it as a comprehensive financial strategy that aligns with your business goals, offering you growth, security, and flexibility, while also taking care of your team. With our expertise, your money can do more—just like your business.
Ready to make your cash work harder for you? Let's talk about how we can help you secure your business’s future while maximizing its present potential.
My team provides personalized financial strategies that combine performance, stability, and maximum flexibility designed to meet your business needs.
Earn strong returns on your cash reserves while maintaining access.
Business owners know they need cash on-hand to weather storms and as a war chest for future acquisitions and growth. It is important that this money remains safe and accessible at any time.
While it is common to relegate these reserves to a checking account that earns nothing, that is no longer the only solution. We help businesses with as little as 2 as well as over 1000 employees.
While your cash is working for you, your employees will also receive valuable legacy benefits from their life insurance policy at no additional cost to you.
Increase your company’s cash flow and valuation.
A cash management plan designed for excellent income and growth without losing the safety and accessibility you require.
Cash Management Tool: Similar to A Checking Account
Our method offers safety similar to a checking account with strong expected growth while offering instant access to your cash, exactly the same as your business checking account.
Attract and Retain Employees: A Perk Employees Love
While your cash is working for you, your employees will also receive valuable benefits at no additional cost to you. Protect Employee’s families with death benefits.
My name is Rick Spinos. I am the owner and founder of Team Partners Life. I am dedicated to helping small business owners with the financial health of their business and family financial legacy.
With the help of my specialized team of financial partners, I am able to offer
Individualized financial strategies capitalizing on tax advantaged features
Double digit returns on their investments,
Asset protection of family homes and business properties etc.
I work with a small group of financial and investment specialists with a combined FINRA series 7, 9, 10, 63, 65 & 66 licensed accreditation.
My team of subject experts are here to guide you to the best options in financial health available.
How It Works:
1. Life Insurance Core
We start with a well-designed life insurance policy that has your long-term goals in mind.
A well-designed life insurance policy helps enable your money to work for you benefiting from certain performance guarantees from top rated life insurance carriers.
2. Maximize Its Strength
Through understanding the benefits of a well-designed life insurance policy, you can maximize its potential. Our team is here to support you through the process every step of the way.
3. Access to your cash when you need it.
Some financial needs are known, some are not. Most of our strategies allow for checkbook-like access to the cash value within your life insurance policy.
The underlying strategy of our approach provides the opportunity for your family, business, and employees to achieve financial security.
Each story is different. Our team of professionals designs a personalized strategy for your family and business. In doing so, we evaluate your current financial picture, projected capital needs, and long-term plans.
Part of what our clients love is the flexibility our strategy provides.
Together, we will build a plan that best fits your needs today and what we can see of the future, but should things change, we are not locked into stringent requirements. That flexibility is what puts the flex into our method.
The Flex strategy for Business
The Corporate Flex Strategy is a highly customizable cash management strategy that uses a company's existing cash reserves to secure employee benefits, higher returns, and tax-free business income... all while retaining checkbook access to those funds when needed.
This full-service approach optimizes every expense and revenue to productively benefit the business, the employee, and the bottom line. This helps your organization get more out of each dollar and likely unlock significant tax deductions.
Employer Benefits
Checkbook access to deployed reserves
Likely tax deductions
Potential for significant tax-free business income
Fund key person insurance
Attract and retain key talent
Fund a buy/sell agreement
Increase EBITDA evaluation measure
Fund no-qualified deferred compensation plan
Potential asset protection
No Market Risk
Employee Benefits
Lifelong coverage with a death benefit for loved ones.
Possible long-term care and terminal illness insurance benefits.
Potential for supplemental retirement income.
Optional ability to purchase life insurance policy in the future.
Option for more benefits under a vesting schedule or deferred compensation plan
Potential sign-on bonus
Give your checking account a run for its money.
For every $100,000 of reserves reallocated into cash value life insurance, we can help you potentially unlock: $2,100 in annual tax savings, $480,000+ in expected income over the next 20 years, and $3,000,000 of death benefit coverage on employees. Meanwhile, those reserves remain accessible for ordinary business expenses as needed.
Key Employee Benefits
Attracting and retaining talent has never been more challenging. Corporate Flexmethod offers you the opportunity to provide a set of potentially desirable employee benefits while also providing a significant financial strategy that serves the company and your bottom line.
Potential for meaningful permanent death benefit for their loved ones.
Potential long term care insurance benefits.
Potential terminal illness insurance benefits.
Potential supplemental retirement income benefit.
Option for employee purchase of the life insurance policy in the future.
