Owner/Shareholder Coverage Engineering

BMVP helps business owners and shareholders structure medical, life, and retirement policies with precision—unlocking tax advantages, reducing costs, and creating new financial opportunities. 

Our engineering approach goes beyond traditional planning: we design coverage strategies that align with ownership goals, liquidity events, and long-term wealth preservation. 

Owners and shareholders face unique challenges when it comes to benefits and taxation. We help you:

• Access employee-level benefits through optimized company structures
• Reduce personal and corporate tax burdens by 20–40% through advanced planning
• Integrate medical, life, and retirement policies into a cohesive tax-efficient framework
• Protect assets while improving cash flow and long-term financial flexibility

Whether you're preparing for a business sale, planning succession, or simply seeking better coverage, we tailor solutions that fit your ownership profile.

Selling a business or appreciated asset can trigger substantial tax liabilities. BMVP offers strategies to defer capital gains taxes—potentially in perpetuity—preserving your wealth and enhancing reinvestment potential. Our team guides you through:

• Structuring sales to maximize tax deferral
• Identifying qualified replacement investments
• Navigating IRS-compliant deferral mechanisms
• Coordinating with legal and financial advisors for seamless execution

This planning is especially valuable for owners anticipating liquidity events or transitioning out of active management.

BMVP provides business brokerage services to help you value, market, and sell your company with confidence. 

Our services include:

• Business valuation and financial modeling
• Buyer outreach and deal structuring
• Tax optimization for sale proceeds
• Integration with retirement and estate planning

Whether you're selling to a third party, passing ownership to family, or exploring ESOPs, we help you engineer the most tax-efficient and financially sound exit.

We don’t rely on templates. Every coverage strategy is built from the ground up using financial modeling, tax analysis, and ownership-specific goals. Our data-driven process ensures your plan evolves with your business, your exit strategy, and your legacy.  

Whether you're preparing for a sale, restructuring ownership, or optimizing executive benefits, BMVP helps you engineer coverage that protects, performs, and positions you for what’s next. Let’s design the future—on your terms.