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	Articles Starting a business Advantages and disadvantages of self-employment Starting or Buying a Business Choosing an entity for your business Funding a Business Hiring your first employee Record Keeping for Your Own Business Qualifying for the home office deduction Tax planning for the self-employed Benefits and retirement plans Benefit Plans for Small Businesses Retirement Plans for Small Businesses Understanding Individual 401(k) Plans Life insurance for the self-employed Group term life insurance Key employee life and disability insurance Split dollar insurance plans Health insurance for the self-employed Group health insurance: a valued employee benefit Disability income insurance for the self-employed Offering group disability insurance What employers need to know about workers' compensation insurance Transferring or selling a business Transferring your family business Funding a buy-sell agreement with life insurance Funding a buy-sell agreement with disability insurance Insuring a business Properly insuring your business Why insure your business? Should you self-insure your business? Understanding your business owners policy Business liability insurance basics Commercial general liability Professional liability coverage Do you need crime insurance? Business interruption insurance Business overhead expense insurance Business automobile insurance basics Insurance tips for business travelers Insuring your home business Income tax tips: business insurance

	Decision Tools Business planning basics Net worth calculator Choosing an entity Choosing a business entity Comparison of LLCs, LLPs, and professional corporations How C Corporations, LLCs, and LLPs Protect Personal Assets Insurance planning Business life insurance needs Number of policies needed with a cross purchase plan Benefits and retirement plans Comparison of types of educational assistance Building a retirement plan for your business 401(k) plans Individual 401(k) Illustration Transferring or selling a business Business succession strategy calculator Buy-sell agreement calculator Buy-sell planning questionnaire Planning for succession of a business interest Business succession planning alternatives How entity purchase plans work How cross purchase plans work Tax planning Accelerating deductions/postponing income Accelerating income/postponing deductions

	FAQs Starting a business Is buying a franchise a good way to get into business? Should I buy an existing business or start from scratch? What should I look for in a business location? What are the stages of business development? Should I buy or lease assets for my business? Don't most small businesses fail? How do I find good advisors such as lawyers and accountants to help with my business? Raising capital How can I raise capital for my business? Can I borrow money from my wholly owned business? Incorporating a business Should I incorporate my business? Can I change my business from an S corporation to a C corporation? Can I change my business from a C corporation to an S corporation? Partnerships How does a limited partnership work? Noncompetition agreements My employer wants me to sign a noncompetition agreement. What is it? Is it legally binding? Why does the buyer of my business want me to sign a noncompetition agreement? I am buying a business. Can I make the seller sign a noncompetition agreement? Advertising a business How do I know where to advertise my business? What is the best form of advertising? How can I get free publicity for my business? Home-based businesses If I work at home occasionally, am I entitled to a home office deduction? Can I deduct home office expenses? Employee benefits and other issues What benefits should I offer to my employees? How can I find good employees for my business? How can I boost the morale of my employees without incurring huge expenses? What are incentive stock options (ISOs)? What are health reimbursement arrangements? Insurance coverage What is stop-loss insurance? I'm thinking about opening a day-care business in my home. Does this raise any insurance issues? I drive my own car on company business. Whose insurance will pay for damages if I get into an accident? What is errors and omissions insurance? Can I get disability insurance if I'm self-employed? I own a business. Are there any creative ways I can use life insurance in my business? A cell phone and laptop computer owned by my company were inside my briefcase when it was stolen. Will my company's insurance cover the loss? I use my laptop computer for my home business. Is it covered under my homeowners policy? What kind of insurance coverage do I need for my small business? I'm an independent contractor. Where can I get health and disability insurance? Valuing a business How can I determine what my business is worth for estate and gift tax purposes? Transferring or selling a business Can I transfer my business through my will? What is a buy-sell agreement? How can I keep my business in the family? What are some financing options for selling my business? What is a family limited partnership, and will it help reduce estate taxes?

	Sidebars Starting a business Getting Help from the Small Business Administration Short Checklist for Entrepreneurs Small Business Statistics SBA facts Workers' compensation facts Managing a business Record-Keeping Software Working with Employees Business Banking When Should You Call an Attorney? Alternative Dispute Resolution Offering employee benefits The Popularity of Health Benefits Retirement Plan Options Protecting your human assets More employers are offering dental and vision benefits On-the-job injuries Employer-sponsored disability insurance

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IMPORTANT DISCLOSURES

Broadridge Investor Communication Solutions, Inc. does not provide investment, tax, or legal advice. The information presented here is not specific to any individual's personal circumstances.

To the extent that this material concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstances.

These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable--we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice.