"Studies show that only about three people in 100 are financially secure at retirement, and most people know which of those two groups they want to be in. As a businessowner, you have an opportunity to save for retirement on a tax-deductible basis, using a qualified retirement plan — a pension or profit-sharing plan, for example."

Trigger questions

"What route are you taking with your personal retirement planning — qualified or non-qualified?"

"Is your qualified plan funded with life insurance? Should it be?"

"Federal pension regulations dictate the amount of life insurance funding allowed in a qualified plan. The real question is, 'How much protection do you and the other owner's need or want?' When was the last time you considered that?"