TAX EFFICIENCY · WEALTH CREATION · LEGACY PROTECTION
Build a stronger business. Keep more of what you create. Protect what comes next.
Kristoffer Torres helps business owners evaluate tax-efficient, retirement, wealth and protection strategies built around the real needs of the business.
THE PROBLEM
Most owners build a company but never coordinate the company with their personal retirement, protection and legacy plan. I help organize that conversation, identify the gaps and evaluate tools such as executive benefits, business-protection planning, life insurance and other strategies when they are appropriate.
01
Tax efficiency
How the business is structured and paid out, reviewed with your own tax professionals.
02
Owner retirement
Whether anything is being built for the owner outside the operating business.
03
Business continuity
What happens to the company, the debt and the partners if a key person is gone.
04
Family protection
Whether the household is protected independently of the company’s performance.
By industry
The same gaps look different in every business.
Construction & tradesYour company builds projects. Is it also building retirement wealth outside the job site?
Trucking & logisticsYour trucks produce income. What protects the owner, the debt and the family behind them?
Roofing / HVAC / PlumbingIf one key person disappears from the business, what breaks first?
Restaurants & hospitalityA profitable restaurant is not automatically a retirement plan.
Digital entrepreneursHigh revenue is not the same as coordinated wealth.
THE PROCESS
Diagnosis first. Tools only if they fit.
01
Diagnosis
Understand the business: structure, cash flow, ownership and objectives. No products and no assumptions at this stage.
02
Gap Identification
Map where tax efficiency, owner retirement, business continuity and family protection are uncoordinated.
03
Strategy Evaluation
Review which tools could reasonably apply, in coordination with your tax and legal professionals when needed.
04
Coordination
Put the plan in order, document what was decided and revisit it on a defined schedule.
About Kristoffer
Business & wealth strategist.
“The first question is never which product. It’s what problem we are actually solving.”
Kristoffer Torres helps business owners identify tax-efficiency, wealth-building, retirement and protection opportunities, then coordinates the right planning conversation around the tools that may fit their goals.
Licensing & credentials
Licensing details and state authorizations are shared directly during your strategy session, along with any carrier appointments relevant to your business.
FAQ
Questions owners ask first.
If yours isn’t here, bring it to the session. It’s a conversation, not a pitch.
Schedule a sessionIs this life insurance, or something else?
Life insurance can be part of the plan, but the starting point is understanding how your business, retirement and protection needs fit together. Tools are only introduced once a gap is identified.
What happens if I don’t have a business continuity plan?
If a key person is gone tomorrow, the business often faces a gap in leadership, cash flow or ownership. A written plan and the right coverage can address that ahead of time, instead of during a crisis.
How is this different from talking to my CPA or financial advisor?
Kristoffer works alongside your existing CPA, attorney and advisors rather than replacing them, connecting the pieces (tax, retirement, protection) that are often reviewed separately.
Do you only work with construction, trucking and hospitality businesses?
Those are common industries Kristoffer works with, but the same gaps in tax efficiency, owner retirement, continuity and protection show up in most owner-operated businesses.
What happens during the strategy session?
It’s a conversation about your business structure, goals and current planning. No products are discussed before the situation is understood.
Is there a cost or obligation for the initial session?
No. The private strategy session is a no-obligation conversation to see whether there’s a fit before any specific strategy or product is discussed.
Next step
Schedule a private strategy session.
Two ways to start. Either one begins with the same question: what problem are we actually solving?
Request a session
Send a short note about your business and the main problem you want to solve. Kristoffer reviews every inquiry personally and follows up to schedule your session.
BUSINESS & WEALTH STRATEGIST
Licensed insurance agent · NPN 22282429 · Based in Savannah, Georgia · Serving business owners nationwide.
Kristoffer Torres is not a CPA, tax attorney, ERISA attorney, investment adviser, plan actuary/TPA or lender. Information on this site is educational and general in nature and does not constitute tax, legal or investment advice. Any tax or legal conclusion must be validated with your own qualified professionals. Insurance products are subject to underwriting, carrier approval and state availability.