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CFG provides financial consulting services focusing on business perpetuation planning, estate planning, tax planning, and long-term investment strategies. We recognize that business owners and professionals work long and hard to build their businesses. We also know that every owner will exit his or her business some day. Only about 35 percent of privately owned businesses will survive into the next generation. Business succession planning addresses this problem by identifying and grooming the individuals who will ultimately step into the shoes of the business owner. Arrangements such as buy/sell agreements and key person insurance are often required to consolidate control in the hands of the successors, to provide an economic cushion for the business, and to equitably provide for the heirs outside the business. At CFG, we work within the constraints of the business owner's objectives and the tax code to minimize the drain on the business due to estate settlement costs. For liquidity planning, we explore alternate sources of cash, the costs of these sources and the most tax effective arrangement of these sources. Financial planning services include:Business succession planning. Estate planning and wealth transfer.