BUSINESS INVESTMENT OPTIONS

Let us help you manage your most valuable asset: Your Business

• Investment Services
• Insurance Services
• Business Continuation & Succession Planning
• Executive & Employee Benefits
• Financial Planning
• Estate Planning

As a business owner, you already have enough challenges to occupy your time. How can you manage the many details associated with your company's financial plan - including employee benefits - while remaining focused on running your business?

Start with objective, professional service from people who know your business issues. We have formed an alliance with Baystate Financial Services, one of the Bay State's most experienced financial firms, to work with you to create and manage a comprehensive financial strategy for you, your company and your employees.

You will enjoy personal service from experienced financial representatives. * They work with you to simplify the complex process of managing your company's benefits and financial plans, freeing you to focus on your strength: your business.

Begin with a Strategy
A key advantage of working with an experienced team is the proven ability to help create strategies for your business. Your financial representative will meet with you to discuss your financial needs, goals and priorities, and to review your current situation. Based on an analysis of this information, we will help you develop a comprehensive strategy encompassing a range of critical issues:

• Attracting, Rewarding & Retaining Employees
• Employee Benefits
• Retirement Plans
• Succession Planning
• Estate Planning
• Financial Planning*

Employee Benefits
Today, employee benefits represent not just one of your largest business costs; they are a critical factor in attracting and retaining high-quality employees. Yet managing benefits often requires staff that smaller companies just don't have. Let the representatives at Baystate Financial Services do it for you. They have extensive experience in every aspect of employee benefits. This vast experience enables representatives to design and implement a comprehensive, cost-effective benefits strategy tailored to the needs of your company and your employees. They can provide solutions for:

• Group Health Insurance
• Defined Benefit Plans
• 401(k) and Profit Sharing Plans
• Long-Term Care Insurance (Group Plans)
• Payroll Deduction Life and Disability Income Insurance (Group and Voluntary Plans)
• Health Savings Accounts 

A valuable part of employee benefit services are executive and employee financial education workshops, which enhance retirement participation levels and employee retention. The representatives at Baystate Financial Services can also create a customized insurance strategy that addresses the specialized protection needs of your company's most important employee: you.

Investment Services*

A carefully planned and executed investment strategy can help leverage your business success. Your financial representative at Baystate Financial Services can help with your investment strategies, according to a personalized asset allocation strategy determined by your goals, risk tolerance and other factors. They can provide a full range of investments, including mutual funds. Our financial services team also specializes in creating personalized investment strategies for business owners and high net worth individuals, including tax-deferred retirement plans.

Estate Planning Services

You have worked hard to build your business. Now make sure your heirs benefit from your labors. Representatives from Baystate Financial Services can help create a personalized strategy to protect your assets from the potential impact of estate taxes. In addition, Baystate's experience in the field of business continuation and succession planning will ensure a strategy that meets both your personal and business's financial objectives.

CONTACT ONE OF OUR INVESTMENT REPRESENTATIVES

*Securities products and investment advisory services are offered through registered representatives and financial planners, respectively, of New England Securities (NES), Boston, MA, a broker dealer (member FINRA/SIPC) and registered investment advisor. Benjamin Franklin Bank is not affiliated with New England Securities. Each firm is independently responsible for the services it provides. Products and services made available through Baystate Financial Services, LLC and NES are not FDIC insured, not a condition of any bank service, not a deposit product, no bank/affiliate guarantee, no guarantee of insurance, underwriter performance, may lose value, and the bank cannot condition an extension of credit on the purchase of an annuity or insurance product from the bank itself or one of its affiliates. Neither Baystate Financial Services nor its representative provides tax or legal advice. See your attorney for such guidance. L03083300 exp. 03/09 (MA, RI).