Comprehensive Protection, Tailored for Your Life and Business

Whether you already have a pension, profit sharing or 401(k) plan for your small business or are thinking about starting one, we can help, and probably save you money at the same time. Our professionals will look at your current situation and make recommendations. If you have no pension plan, our professionals can help you design one.

Reduce your taxable income and potentially save money for your business by establishing a Cafeteria plan for you and your employees. Depending upon your specific situation, these plans, which are also called Section 125 plans, can lower your cost for certain benefits by using pre-tax dollars, giving your company and your employees certain tax breaks.

Should you or an employee become injured, sick, or disabled, is there a plan in place to provide for family members and loved ones? Short- and long-term disability protection can provide income in the event the unforeseen occurs, providing some financial security and peace of mind when you need it most.

Low cost coverage from distinguished national carriers with no medical underwriting gives you and your family added protection. Quotes are from multiple A-rated carriers with a choice of coverage amounts and duration.

Provide small to medium sized companies access to competent, cost effective HR resources across a broad range of disciplines, including Government Regulations/Compliance, Employee Relations, Workforce Planning, Talent Recruitment, and Employee Retention.

Provide access to administrative option to assist employers in keeping compliant with complex and changing regulatory requirements, while executing the myriad of day-to-day administrative policies and procedures.

In addition to advising business owners, SBIA assists individuals with their personal insurance such as automobile and homeowners insurance. Our professionals work with the individuals to understand their unique needs and assist them in finding the appropriate and competitively priced products.

When analyzing personal insurance needs, one size does not fit all. Situations change over time. Solutions must be an appropriate fit for each individual circumstance. Our professionals understand this and work with a portfolio of top rated companies with products tailored to the needs of individuals

Most people work hard to build wealth and save for retirement. Without proper protection, you run the risk of losing everything and becoming a burden on your family should you, or a loved one, be unable to live independently and require long-term care. Medicaid may cover this care only after you’ve reduced your assets to the federal poverty level. This valuable protection for you, your family and your employees is too important to ignore, particularly since the need for long-term care can arise suddenly and without warning.