Ciemone, Inc. helps you understand the methods of wealth strategies and legacy wealth development.  We will help you understand what I feel are the "ABCs of Financial Literacy".

Ciemone, Inc. will develop your strategy for:

1. Acquiring, 2. Building and 3. Continually Sustaining (and transferring) your business wealth! 

There are numerous financial strategies and retirement income strategies that can help you accumulate assets for the future, protect your business assets from liabilities. We can help you figure out what the right course of action for your specific situation and objectives. 


Charitable strategies allows you to support the organizations and causes that matter to you, while often providing immediate income streams and reducing your tax burden¹. Numerous charitable giving strategies exist, and we can help you design and execute a charitable giving strategy that is in alignment with your personal and philanthropic goals. Please seek tax advice from your own tax advisors.


To execute a sound retirement strategy, asset and income protection are a must. Designing a strategy that encompasses managing costs for extended periods of care and disability insurance can help create the necessary balance in a portfolio to ensure stability and protection of assets.


The success of most businesses is tied to the talent, passion, and work ethics of their key executives. Executive benefit packages can help you attract, motivate, and retain high-caliber employees and keep your company healthy and stable. We can help you with funding non-qualified plans, supplemental employee retirement plans, split-dollar plans, and more.


Succession strategies allows owners to retire from their business within their own time frame while preparing for the company to be transferred to family members, key employees, an outside party, or even a charity. This must be done in a way that achieves personal financial security, maintains harmony, and achieves maximum value for the business. We can provide financial strategies for succession strategies.


Key-person life insurance offers a death benefit that helps indemnify an employer for the loss of one of its most important assets—the key person. This can help assure continuity of the business for employees, customers, and creditors, and protects against losses in sales, momentum, and credit. It can also be used to assist with recruiting and developing a replacement for the employee.


A buy-sell agreement is a legally binding agreement between co-owners of a business that governs the situation if a co-owner dies or leaves the business, whether by force or by choice. A funded cross-purchase buy-sell plan utilizes life insurance to help ensure that the arrangement is properly funded so that there will be money if the event occurs.


Deferred compensation is a written agreement between an employer and an employee in which the employee chooses to have part of his or her compensation withheld by the company, invested on their behalf, and distributed to them at a predetermined point in the future. Deferred compensation can be used as a flexible way to attract and incentivize key employees. We provide funding strategies for deferred compensation.