{"id":9229,"date":"2026-03-23T00:18:31","date_gmt":"2026-03-23T00:18:31","guid":{"rendered":"https:\/\/profaj.co\/denememanay\/?post_type=services&#038;p=9229"},"modified":"2026-04-14T14:01:55","modified_gmt":"2026-04-14T18:01:55","slug":"business-insurance-advisory","status":"publish","type":"services","link":"https:\/\/profaj.co\/denememanay\/services\/business-insurance-advisory\/","title":{"rendered":"Business Insurance Advisory"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"9229\" class=\"elementor elementor-9229\" data-elementor-post-type=\"services\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2abf3250 e-flex e-con-boxed e-con e-parent\" data-id=\"2abf3250\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-55524bf8 e-con-full e-flex e-con e-child\" 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30.7538 63.6676 29.4645 60.5992 29.3356C53.4051 29.0133 47.4874 34.7505 47.4874 41.8672V44.1105C47.4874 44.1105 47.4745 44.1492 47.4488 44.1492H46.585C43.1684 44.1492 40.3965 46.9211 40.3965 50.3376V70.0374C40.3965 73.4539 43.1684 76.2258 46.585 76.2258H73.4917C76.9083 76.2258 79.6802 73.4539 79.6802 70.0374V50.3376C79.6802 46.9211 76.9083 44.1492 73.4917 44.1492L73.4788 44.162Z\" fill=\"url(#paint1_linear_9295_48004)\"><\/path><defs><linearGradient id=\"paint0_linear_9295_48004\" x1=\"55.4028\" y1=\"49.2546\" x2=\"-6.48146\" y2=\"-22.9438\" gradientUnits=\"userSpaceOnUse\"><stop stop-color=\"white\"><\/stop><stop offset=\"1\" stop-color=\"#AFB1B4\"><\/stop><\/linearGradient><linearGradient id=\"paint1_linear_9295_48004\" x1=\"51.2778\" y1=\"48.5971\" x2=\"94.1971\" y2=\"100.619\" gradientUnits=\"userSpaceOnUse\"><stop stop-color=\"#F6B900\"><\/stop><stop offset=\"1\" stop-color=\"#EE9A20\"><\/stop><\/linearGradient><\/defs><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tInsurance &amp; Benefits Solutions Built Around Your Business\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tFrom group health insurance and life coverage to 401(k) plan administration and buy\/sell consulting, Manay CPA helps business owners protect their teams, their assets, and their long-term financial future \u2014 all under one roof.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d395aac elementor-align-left elementor-widget elementor-widget-button\" data-id=\"d395aac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/profaj.co\/denememanay\/free-consultation\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"512\" viewBox=\"0 0 24 24\" width=\"512\"><path d=\"m19 16c0 .5523-.4477 1-1 1s-1-.4477-1-1v-7.58576l-10.29293 10.29286c-.39052.3905-1.02369.3905-1.41421 0s-.39052-1.0237 0-1.4142l10.29294-10.2929h-7.58581c-.55229 0-1-.44772-1-1s.44771-1 1-1h10.00001c.5523 0 1 .44771 1 1z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get a Free Consultation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-110aa590 elementor-widget elementor-widget-text-editor\" data-id=\"110aa590\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Certified for guaranteed quality<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56e8d060 elementor-widget elementor-widget-image\" data-id=\"56e8d060\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"458\" height=\"65\" src=\"https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2025\/08\/logos.png\" class=\"attachment-full size-full wp-image-740\" alt=\"\" srcset=\"https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2025\/08\/logos.png 458w, https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2025\/08\/logos-300x43.png 300w\" sizes=\"(max-width: 458px) 100vw, 458px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7d73698 e-flex 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xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"62\" height=\"59\" viewBox=\"0 0 62 59\" fill=\"none\"><path d=\"M52.423 6.3425C51.953 3.9425 49.6531 2.36251 47.2531 2.82251C45.5631 3.15251 43.2531 3.38249 40.2231 3.30249C34.6131 3.14249 30.953 1.7225 28.873 0.5625C27.523 -0.1875 25.893 -0.1875 24.543 0.5625C22.463 1.7225 18.8031 3.14249 13.1931 3.30249C10.1631 3.39249 7.86308 3.15251 6.16308 2.82251C3.76308 2.36251 1.45304 3.9325 0.993041 6.3425C-0.426959 13.6125 -1.58696 27.8025 6.93304 40.2325C12.003 47.6325 20.8131 52.9425 24.7731 54.9125C25.9931 55.5125 27.4231 55.5125 28.6431 54.9125C29.2631 54.6025 30.023 54.2025 30.853 53.7325C35.303 51.2125 42.213 46.4725 46.493 40.2325C49.883 35.2925 51.7331 30.0725 52.6531 25.1225C54.0431 17.6225 53.293 10.7325 52.433 6.35251L52.423 6.3425Z\" fill=\"url(#paint0_linear_9219_48748)\"><\/path><path opacity=\"0.7\" d=\"M56.5135 33.9725H55.8436C55.8436 33.9725 55.8135 33.9625 55.8135 33.9425V32.5025C55.8135 29.6325 54.6036 26.9725 52.6436 25.1125C51.0236 23.5725 48.9036 22.5725 46.5236 22.4725C40.9436 22.2225 36.3535 26.6725 36.3535 32.1925V33.9325C36.3535 33.9325 36.3435 33.9625 36.3235 33.9625H35.6536C33.0036 33.9625 30.8535 36.1125 30.8535 38.7625V54.0425C30.8535 56.6925 33.0036 58.8425 35.6536 58.8425H56.5236C59.1736 58.8425 61.3235 56.6925 61.3235 54.0425V38.7625C61.3235 36.1125 59.1736 33.9625 56.5236 33.9625L56.5135 33.9725Z\" fill=\"url(#paint1_linear_9219_48748)\"><\/path><defs><linearGradient id=\"paint0_linear_9219_48748\" x1=\"44.7331\" y1=\"44.7225\" x2=\"-33.9769\" y2=\"-69.1075\" gradientUnits=\"userSpaceOnUse\"><stop stop-color=\"#F6B900\"><\/stop><stop offset=\"1\" stop-color=\"#EE9A20\"><\/stop><\/linearGradient><linearGradient id=\"paint1_linear_9219_48748\" x1=\"39.2935\" y1=\"37.4125\" x2=\"72.5835\" y2=\"77.7625\" gradientUnits=\"userSpaceOnUse\"><stop stop-color=\"#3E3E3E\"><\/stop><stop offset=\"1\"><\/stop><\/linearGradient><\/defs><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tWhat You Need to Know About Insurance Services\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tInsurance and employee benefits are more than a line item on your budget \u2014 they're a critical tool for attracting talent, protecting business continuity, and building long-term wealth. In the U.S., the landscape of health coverage, retirement plans, and risk mitigation strategies is complex and constantly evolving, with regulations that vary by state, company size, and industry. Many business owners either overpay for coverage they don't fully understand or leave gaps that expose them to unnecessary risk. At Manay CPA, our insurance services team works alongside our tax and advisory professionals to deliver integrated solutions \u2014 ensuring every insurance and benefits decision is aligned with your broader financial strategy, your tax position, and the real needs of your business and its people.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f5c9212 elementor-widget elementor-widget-image\" data-id=\"f5c9212\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"860\" height=\"367\" src=\"https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2026\/04\/Landscape-Services-32.png\" class=\"attachment-full size-full wp-image-70558\" alt=\"\" srcset=\"https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2026\/04\/Landscape-Services-32.png 860w, https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2026\/04\/Landscape-Services-32-300x128.png 300w, https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2026\/04\/Landscape-Services-32-768x328.png 768w, https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2026\/04\/Landscape-Services-32-650x277.png 650w\" sizes=\"(max-width: 860px) 100vw, 860px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1e0b723f e-flex e-con-boxed e-con e-parent\" data-id=\"1e0b723f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-33e556bc elementor-widget elementor-widget-heading\" data-id=\"33e556bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">PROTECT. PLAN. GROW.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6318371a elementor-widget elementor-widget-heading\" data-id=\"6318371a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">One firm. Every layer of protection your business needs.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c3953c elementor-widget elementor-widget-text-editor\" data-id=\"1c3953c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Our insurance practice connects health coverage, life insurance, retirement plan design, and succession planning into a single, coordinated strategy. Because insurance decisions don&#8217;t happen in isolation \u2014 they interact with your tax planning, your employee retention goals, and your long-term exit strategy \u2014 we bring the full picture together so nothing falls through the cracks.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26a8a6e elementor-align-center elementor-button-default elementor-widget elementor-widget-button\" data-id=\"26a8a6e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/profaj.co\/denememanay\/free-consultation\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Talk to Our Insurance Team<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa42a4d elementor-tabs-view-vertical elementor-widget elementor-widget-tabs\" data-id=\"aa42a4d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"tabs.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-tabs\">\n\t\t\t<div class=\"elementor-tabs-wrapper\" role=\"tablist\" >\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-1781\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"true\" data-tab=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"elementor-tab-content-1781\" aria-expanded=\"false\">Health Insurance<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-1782\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1782\" aria-expanded=\"false\">Life Insurance<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-1783\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1783\" aria-expanded=\"false\">401(k) Plan Administration<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-1784\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"4\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1784\" aria-expanded=\"false\">Buy\/Sell Consulting<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<div class=\"elementor-tabs-content-wrapper\" role=\"tablist\" aria-orientation=\"vertical\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"true\" data-tab=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"elementor-tab-content-1781\" aria-expanded=\"false\">Health Insurance<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1781\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1781\" tabindex=\"0\" hidden=\"false\"><h3 style=\"color: white; font-size: 28px; font-weight: 400;\">Competitive group health coverage that attracts and retains top talent<\/h3><p style=\"color: white;\">Offering the right health insurance plan is one of the most impactful decisions a business owner can make \u2014 it directly affects employee satisfaction, retention, and your ability to compete for talent. We help businesses of all sizes navigate the complexities of group health insurance, from selecting carriers and plan types to understanding ACA compliance requirements, contribution strategies, and renewal negotiations. Our team evaluates your workforce demographics, budget, and growth plans to recommend coverage options that balance cost with meaningful benefits. Whether you&#8217;re setting up your first group plan or optimizing an existing one, we handle the research, paperwork, and ongoing administration so you can focus on running your business.<\/p><p style=\"color: white;\"><span style=\"background-color: transparent;\"><u>Learn More<\/u> &gt;<\/span><\/p><p><img decoding=\"async\" class=\"alignnone wp-image-70563 size-full\" src=\"https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2026\/04\/Landscape-Services-37.png\" alt=\"\" width=\"860\" height=\"367\" srcset=\"https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2026\/04\/Landscape-Services-37.png 860w, https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2026\/04\/Landscape-Services-37-300x128.png 300w, https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2026\/04\/Landscape-Services-37-768x328.png 768w, https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2026\/04\/Landscape-Services-37-650x277.png 650w\" sizes=\"(max-width: 860px) 100vw, 860px\" \/><\/p><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1782\" aria-expanded=\"false\">Life Insurance<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1782\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1782\" tabindex=\"0\" hidden=\"hidden\"><h3 style=\"color: white; font-size: 28px; font-weight: 400;\">Strategic life coverage that protects your business and your family<\/h3><p style=\"color: white;\">Life insurance serves a dual purpose for business owners: it protects your family&#8217;s financial future and safeguards your company&#8217;s stability. We help you evaluate and secure the right type of coverage \u2014 from term and whole life policies to key person insurance that protects your business against the loss of a critical leader or partner. For business owners with cross-border considerations, we also navigate the tax implications of life insurance policies across jurisdictions, ensuring your coverage works within your broader financial and estate planning strategy. Every recommendation is tailored to your specific situation, not a one-size-fits-all product pitch.<\/p><p style=\"color: white;\"><u>Learn More<\/u>\u00a0&gt;<\/p><p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-70525 size-full\" src=\"https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2026\/04\/Landscape-Services-1.png\" alt=\"\" width=\"860\" height=\"367\" srcset=\"https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2026\/04\/Landscape-Services-1.png 860w, https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2026\/04\/Landscape-Services-1-300x128.png 300w, https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2026\/04\/Landscape-Services-1-768x328.png 768w, https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2026\/04\/Landscape-Services-1-650x277.png 650w\" sizes=\"(max-width: 860px) 100vw, 860px\" \/><\/p><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1783\" aria-expanded=\"false\">401(k) Plan Administration<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1783\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1783\" tabindex=\"0\" hidden=\"hidden\"><h3 style=\"color: white; font-size: 28px; font-weight: 400;\">Retirement plan design and administration that works for you and your team<\/h3><p style=\"color: white;\"><span style=\"background-color: transparent;\">A well-structured 401(k) plan is one of the most powerful tools a business owner has \u2014 it helps attract and retain employees, provides significant tax advantages, and builds long-term wealth for you and your team. We assist with every stage of the process: plan selection and design, provider evaluation, compliance testing, annual reporting, and employee enrollment support. Our team ensures your plan meets ERISA requirements, satisfies IRS nondiscrimination testing, and remains cost-efficient as your company grows. For business owners, we also integrate 401(k) strategy with your personal retirement and tax planning \u2014 so your plan isn&#8217;t just a benefit for your employees, it&#8217;s a strategic asset for your own financial future.<\/span><\/p><p style=\"color: white;\"><u style=\"background-color: transparent;\">Learn More<\/u><span style=\"background-color: transparent;\">\u00a0&gt;<\/span><\/p><p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-70566 size-full\" src=\"https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2026\/04\/Landscape-Services-40.png\" alt=\"\" width=\"860\" height=\"367\" srcset=\"https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2026\/04\/Landscape-Services-40.png 860w, https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2026\/04\/Landscape-Services-40-300x128.png 300w, https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2026\/04\/Landscape-Services-40-768x328.png 768w, https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2026\/04\/Landscape-Services-40-650x277.png 650w\" sizes=\"(max-width: 860px) 100vw, 860px\" \/><\/p><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"4\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-1784\" aria-expanded=\"false\">Buy\/Sell Consulting<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1784\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1784\" tabindex=\"0\" hidden=\"hidden\"><h3 style=\"color: white; font-size: 28px; font-weight: 400;\">Protect ownership transitions with a properly funded buy\/sell agreement<\/h3><p><span style=\"background-color: transparent;\">A buy\/sell agreement is one of the most important \u2014 and most overlooked \u2014 documents in any business with multiple owners. It defines what happens to ownership when a partner retires, becomes disabled, or passes away, and it protects all parties from financial disruption during an already difficult transition. We help business owners structure, fund, and review buy\/sell agreements that reflect the current value of the business and the real-world needs of each stakeholder. Our consulting includes coordination with insurance funding mechanisms, business valuation analysis, and tax-efficient structuring \u2014 ensuring your agreement is not just legally sound, but financially practical and up to date.<\/span><\/p><p><u style=\"background-color: transparent;\">Learn More<\/u><span style=\"background-color: transparent;\"> &gt;<br \/><\/span><\/p><div><p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-70528 size-full\" src=\"https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2026\/04\/Landscape-Services-3.png\" alt=\"\" width=\"860\" height=\"367\" srcset=\"https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2026\/04\/Landscape-Services-3.png 860w, https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2026\/04\/Landscape-Services-3-300x128.png 300w, https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2026\/04\/Landscape-Services-3-768x328.png 768w, https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2026\/04\/Landscape-Services-3-650x277.png 650w\" sizes=\"(max-width: 860px) 100vw, 860px\" \/><\/p><\/div><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-58cffed8 e-flex e-con-boxed e-con e-parent\" data-id=\"58cffed8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-375185fd e-con-full e-flex e-con e-child\" data-id=\"375185fd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3b0ef71d elementor-widget elementor-widget-heading\" data-id=\"3b0ef71d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Get Free Consultation<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62dffb92 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"62dffb92\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Share your insurance and benefits needs with us, and our team will reach out with a personalized recommendation \u2014 no cost, no obligation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-512eb6d4 e-con-full e-flex e-con e-child\" data-id=\"512eb6d4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4c596b86 elementor-button-align-center elementor-widget__width-initial landform elementor-widget elementor-widget-form\" data-id=\"4c596b86\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;step_next_label&quot;:&quot;Next&quot;,&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" name=\"New Form\" aria-label=\"New Form\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"9229\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"4c596b86\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"Business Insurance Advisory | Manay CPA\" \/>\n\n\t\t\t\t\t\t\t<input type=\"hidden\" name=\"queried_id\" value=\"9229\"\/>\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-50\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-name\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tFirst Name\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[name]\" id=\"form-field-name\" class=\"elementor-field elementor-size-lg  elementor-field-textual\" placeholder=\"First Name\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-email elementor-col-50 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-email\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tLast Name\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[email]\" id=\"form-field-email\" class=\"elementor-field elementor-size-lg  elementor-field-textual\" placeholder=\"Last Name\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-tel elementor-field-group elementor-column elementor-field-group-field_563d15e elementor-col-50 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_563d15e\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tPhone\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<span class=\"ccfef-editor-intl-input\" data-id=\"form-field-field_563d15e\" data-field-id=\"563d15e\" data-default-country=\"us\" data-include-countries=\"\" data-exclude-countries=\"\" data-dial-code-visibility=\"show\" data-strict-mode=\"no\" style=\"display: none;\"><\/span>\t\t<input size=\"1\" type=\"tel\" name=\"form_fields[field_563d15e]\" id=\"form-field-field_563d15e\" class=\"elementor-field elementor-size-lg  elementor-field-textual\" placeholder=\"Phone Number\" required=\"required\" pattern=\"[0-9()#&amp;+*-=.]+\" title=\"Only numbers and phone characters (#, -, *, etc) are accepted.\">\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-email elementor-field-group elementor-column elementor-field-group-field_2939d5d elementor-col-50 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_2939d5d\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tEmail\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[field_2939d5d]\" id=\"form-field-field_2939d5d\" class=\"elementor-field elementor-size-lg  elementor-field-textual\" placeholder=\"Email\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-sm\" type=\"submit\" id=\"services-form-button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"22\" height=\"23\" viewBox=\"0 0 22 23\" fill=\"none\"><path d=\"M15.5833 6.39258C16.0896 6.39258 16.5 6.80298 16.5 7.30924V16.4759C16.5 16.9822 16.0896 17.3926 15.5833 17.3926C15.0771 17.3926 14.6667 16.9822 14.6667 16.4759V9.52227L7.06485 17.1241C6.70687 17.4821 6.12647 17.4821 5.76849 17.1241C5.41051 16.7661 5.41051 16.1857 5.76849 15.8277L13.3703 8.22591H6.41667C5.91041 8.22591 5.5 7.81551 5.5 7.30924C5.5 6.80298 5.91041 6.39258 6.41667 6.39258H15.5833Z\" fill=\"white\"><\/path><\/svg>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Schedule My Free Consultation<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a9d1cec e-con-full e-flex e-con e-parent\" data-id=\"a9d1cec\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f825dda md:pt-80 md:pb-80 pt-50 pb-50 e-flex e-con-boxed e-con e-parent\" data-id=\"f825dda\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-35b0214 elementor-widget elementor-widget-heading\" data-id=\"35b0214\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">NEWS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-014aa0a elementor-widget elementor-widget-heading\" data-id=\"014aa0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Latest news<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ece640 elementor-widget elementor-widget-text-editor\" data-id=\"2ece640\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Tax updates, industry insights, and practical guidance from our expert team.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-81acd6e elementor-widget elementor-widget-spacer\" data-id=\"81acd6e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c3de2e3 latest_news ui-e-match-height-yes ui-e-animation-circular ui-e-apg-classic elementor-widget elementor-widget-uicore-advanced-post-carousel\" data-id=\"c3de2e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;slides_per_view&quot;:&quot;3&quot;,&quot;show_hidden&quot;:&quot;right&quot;,&quot;navigation&quot;:&quot;arrows&quot;,&quot;carousel_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:20,&quot;sizes&quot;:[]},&quot;carousel_gap_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;carousel_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;carousel_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;animation_style&quot;:&quot;circular&quot;,&quot;slides_per_view_tablet&quot;:2,&quot;slides_per_view_mobile&quot;:1,&quot;grab_cursor&quot;:&quot;yes&quot;,&quot;loop&quot;:&quot;true&quot;,&quot;overflow_container&quot;:&quot;container&quot;}\" data-widget_type=\"uicore-advanced-post-carousel.default\">\n\t\t\t\t\t            <div class=\"ui-e-carousel swiper\">\n                <div class='swiper-wrapper'>\n                                <div class=\"ui-e-wrp swiper-slide\">\n                \n                \n                <div class=\"ui-e-item\">\n                    <article class=\"post-65224 post type-post status-publish format-standard has-post-thumbnail hentry category-blog\">\n                        <div class=\"ui-e-post-top\">\n                                    <a class=\"ui-e-post-img-wrapp\" href=\"https:\/\/profaj.co\/denememanay\/form-1065-guide-to-partnership-tax-returns-2\/\" title=\"View Post:Form 1065: The Complete Guide to Partnership Tax Returns\">\n\n                            <div class=\"ui-e-post-img\" style=\"background-image:url(https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2026\/03\/form-1065-guide-to-partnership-tax-returns-650x406.webp)\"><\/div>\n                    <\/a>\n                                                        <\/div>\n\n                        \n                        <div class=\"ui-e-post-content\">\n\n                            <div class=\"ui-e-post-meta ui-e-before_title\"><div class=\"ui-e-meta-item\"><a href=\"https:\/\/profaj.co\/denememanay\/blog\/\" title=\"View Blog posts\">Blog<\/a><\/div><\/div>                                    <a href=\"https:\/\/profaj.co\/denememanay\/form-1065-guide-to-partnership-tax-returns-2\/\" title=\"View Post:Form 1065: The Complete Guide to Partnership Tax Returns\">\n            <h4 class=\"ui-e-post-title\">\n                <span> Form 1065: The Complete Guide to Partnership Tax Returns <\/span>\n            <\/h4>\n        <\/a>\n                                                            <div class=\"ui-e-post-text\">Every partnership and multi-member LLC\u00a0operating\u00a0in the United States must file\u00a0Form 1065, U.S. Return of Partnership Income, with the IRS each&hellip;<\/div>                            <div class=\"ui-e-post-meta ui-e-bottom\"><div class=\"ui-e-meta-item\">March 11, 2026<\/div><\/div>                                                    <\/div>\n                    <\/article>\n                <\/div>\n\n                                    <\/div>\n                    \n            <div class=\"ui-e-wrp swiper-slide\">\n                \n                \n                <div class=\"ui-e-item\">\n                    <article class=\"post-65174 post type-post status-publish format-standard has-post-thumbnail hentry category-blog\">\n                        <div class=\"ui-e-post-top\">\n                                    <a class=\"ui-e-post-img-wrapp\" href=\"https:\/\/profaj.co\/denememanay\/tax-planning-for-retirement\/\" title=\"View Post:Tax Planning for Retirement: Strategies Before You Stop Working\">\n\n                            <div class=\"ui-e-post-img\" style=\"background-image:url(https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2026\/03\/tax-planning-for-retirement-650x406.webp)\"><\/div>\n                    <\/a>\n                                                        <\/div>\n\n                        \n                        <div class=\"ui-e-post-content\">\n\n                            <div class=\"ui-e-post-meta ui-e-before_title\"><div class=\"ui-e-meta-item\"><a href=\"https:\/\/profaj.co\/denememanay\/blog\/\" title=\"View Blog posts\">Blog<\/a><\/div><\/div>                                    <a href=\"https:\/\/profaj.co\/denememanay\/tax-planning-for-retirement\/\" title=\"View Post:Tax Planning for Retirement: Strategies Before You Stop Working\">\n            <h4 class=\"ui-e-post-title\">\n                <span> Tax Planning for Retirement: Strategies Before You Stop Working <\/span>\n            <\/h4>\n        <\/a>\n                                                            <div class=\"ui-e-post-text\">The tax decisions you make in the years leading up to retirement can affect your finances for decades. Strategic planning&hellip;<\/div>                            <div class=\"ui-e-post-meta ui-e-bottom\"><div class=\"ui-e-meta-item\">March 4, 2026<\/div><\/div>                                                    <\/div>\n                    <\/article>\n                <\/div>\n\n                                    <\/div>\n                    \n            <div class=\"ui-e-wrp swiper-slide\">\n                \n                \n                <div class=\"ui-e-item\">\n                    <article class=\"post-7245 post type-post status-publish format-standard has-post-thumbnail hentry category-blog\">\n                        <div class=\"ui-e-post-top\">\n                                    <a class=\"ui-e-post-img-wrapp\" href=\"https:\/\/profaj.co\/denememanay\/the-ultimate-guide-to-irs-tax-audits-preparation-process-protection\/\" title=\"View Post:The Ultimate Guide to IRS Tax Audits: Preparation, Process &#038; Protection\">\n\n                            <div class=\"ui-e-post-img\" style=\"background-image:url(https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2025\/12\/case-studies-photo.webp)\"><\/div>\n                    <\/a>\n                                                        <\/div>\n\n                        \n                        <div class=\"ui-e-post-content\">\n\n                            <div class=\"ui-e-post-meta ui-e-before_title\"><div class=\"ui-e-meta-item\"><a href=\"https:\/\/profaj.co\/denememanay\/blog\/\" title=\"View Blog posts\">Blog<\/a><\/div><\/div>                                    <a href=\"https:\/\/profaj.co\/denememanay\/the-ultimate-guide-to-irs-tax-audits-preparation-process-protection\/\" title=\"View Post:The Ultimate Guide to IRS Tax Audits: Preparation, Process &#038; Protection\">\n            <h4 class=\"ui-e-post-title\">\n                <span> The Ultimate Guide to IRS Tax Audits: Preparation, Process &#038; Protection <\/span>\n            <\/h4>\n        <\/a>\n                                                            <div class=\"ui-e-post-text\">Table of Contents Overview Birinci Text Felis bibendum id elit faucibus libero lacus quisque nulla maecenas. Molestie libero lacus arcu&hellip;<\/div>                            <div class=\"ui-e-post-meta ui-e-bottom\"><div class=\"ui-e-meta-item\">February 16, 2026<\/div><\/div>                                                    <\/div>\n                    <\/article>\n                <\/div>\n\n                                    <\/div>\n                    \n            <div class=\"ui-e-wrp swiper-slide\">\n                \n                \n                <div class=\"ui-e-item\">\n                    <article class=\"post-64903 post type-post status-publish format-standard has-post-thumbnail hentry category-blog\">\n                        <div class=\"ui-e-post-top\">\n                                    <a class=\"ui-e-post-img-wrapp\" href=\"https:\/\/profaj.co\/denememanay\/irs-tax-audits-preparation-process-protection\/\" title=\"View Post:The Ultimate Guide to IRS Tax Audits: Preparation, Process &#038; Protection\">\n\n                            <div class=\"ui-e-post-img\" style=\"background-image:url(https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2026\/02\/irs-tax-audits-preparation-process-protection-650x406.webp)\"><\/div>\n                    <\/a>\n                                                        <\/div>\n\n                        \n                        <div class=\"ui-e-post-content\">\n\n                            <div class=\"ui-e-post-meta ui-e-before_title\"><div class=\"ui-e-meta-item\"><a href=\"https:\/\/profaj.co\/denememanay\/blog\/\" title=\"View Blog posts\">Blog<\/a><\/div><\/div>                                    <a href=\"https:\/\/profaj.co\/denememanay\/irs-tax-audits-preparation-process-protection\/\" title=\"View Post:The Ultimate Guide to IRS Tax Audits: Preparation, Process &#038; Protection\">\n            <h4 class=\"ui-e-post-title\">\n                <span> The Ultimate Guide to IRS Tax Audits: Preparation, Process &#038; Protection <\/span>\n            <\/h4>\n        <\/a>\n                                                            <div class=\"ui-e-post-text\">Receiving an audit notice from the Internal Revenue Service (IRS) ranks among the most stressful experiences a taxpayer can face.&hellip;<\/div>                            <div class=\"ui-e-post-meta ui-e-bottom\"><div class=\"ui-e-meta-item\">February 11, 2026<\/div><\/div>                                                    <\/div>\n                    <\/article>\n                <\/div>\n\n                                    <\/div>\n                    \n                <\/div>\n            <\/div>\n                    <div class=\"ui-e-button ui-e-carousel-button ui-e-previous\" role=\"button\" aria-label=\"Previous slide\">\n            <svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-left\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M257.5 445.1l-22.2 22.2c-9.4 9.4-24.6 9.4-33.9 0L7 273c-9.4-9.4-9.4-24.6 0-33.9L201.4 44.7c9.4-9.4 24.6-9.4 33.9 0l22.2 22.2c9.5 9.5 9.3 25-.4 34.3L136.6 216H424c13.3 0 24 10.7 24 24v32c0 13.3-10.7 24-24 24H136.6l120.5 114.8c9.8 9.3 10 24.8.4 34.3z\"><\/path><\/svg>        <\/div>\n        <div class=\"ui-e-button ui-e-carousel-button ui-e-next\" role=\"button\" aria-label=\"Next slide\">\n            <svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>        <\/div>\n    \t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3ff518f e-con-full e-flex e-con e-child\" data-id=\"3ff518f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9eb3467 elementor-align-right elementor-widget elementor-widget-button\" data-id=\"9eb3467\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/profaj.co\/denememanay\/blog\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"512\" viewBox=\"0 0 24 24\" width=\"512\"><path d=\"m19 16c0 .5523-.4477 1-1 1s-1-.4477-1-1v-7.58576l-10.29293 10.29286c-.39052.3905-1.02369.3905-1.41421 0s-.39052-1.0237 0-1.4142l10.29294-10.2929h-7.58581c-.55229 0-1-.44772-1-1s.44771-1 1-1h10.00001c.5523 0 1 .44771 1 1z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">See All Blogs<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-72119d00 e-flex e-con-boxed e-con e-parent\" data-id=\"72119d00\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-cd0e67d e-con-full e-flex e-con e-child\" data-id=\"cd0e67d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7127073e e-con-full e-flex e-con e-child\" data-id=\"7127073e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_offset&quot;:80,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;laptop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4c64bcac elementor-widget elementor-widget-table-of-contents\" data-id=\"4c64bcac\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;headings_by_tags&quot;:[&quot;h6&quot;],&quot;container&quot;:&quot;.content-wrapper&quot;,&quot;exclude_headings_by_selector&quot;:[],&quot;no_headings_message&quot;:&quot;No headings were found on this page.&quot;,&quot;marker_view&quot;:&quot;numbers&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\tTable of Contents\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div id=\"elementor-toc__4c64bcac\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<svg class=\"elementor-toc__spinner eicon-animation-spin e-font-icon-svg e-eicon-loading\" aria-hidden=\"true\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M500 975V858C696 858 858 696 858 500S696 142 500 142 142 304 142 500H25C25 237 238 25 500 25S975 237 975 500 763 975 500 975Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-61e97e0c e-con-full e-flex e-con e-child\" data-id=\"61e97e0c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e989d33 elementor-widget elementor-widget-image\" data-id=\"5e989d33\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"715\" height=\"410\" src=\"https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2026\/04\/ToC-HR.png\" class=\"attachment-large size-large wp-image-70498\" alt=\"\" srcset=\"https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2026\/04\/ToC-HR.png 715w, https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2026\/04\/ToC-HR-300x172.png 300w, https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2026\/04\/ToC-HR-650x373.png 650w\" sizes=\"(max-width: 715px) 100vw, 715px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-38ad3c3d e-con-full content-wrapper e-flex e-con e-child\" data-id=\"38ad3c3d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-127836d5 elementor-widget elementor-widget-heading\" data-id=\"127836d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Why Insurance Strategy Matters for Business Owners<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14d38ee5 elementor-widget elementor-widget-text-editor\" data-id=\"14d38ee5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Insurance is often treated as a checkbox \u2014 something you buy because you have to, not because it&#8217;s part of a larger plan. But for business owners, the right insurance strategy can be the difference between surviving a crisis and being destroyed by one. A sudden loss of a key partner without a funded buy\/sell agreement can force a business into liquidation. An inadequate health plan can drive your best employees to competitors. A poorly designed 401(k) can expose you to compliance penalties and personal liability. At Manay CPA, we approach insurance as what it really is: a strategic financial tool that protects your people, your assets, and your ability to keep building. Our team works alongside your tax advisors and accountants \u2014 often under the same roof \u2014 so every insurance decision is informed by your full financial picture, not made in a silo.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-464e03cf elementor-widget elementor-widget-heading\" data-id=\"464e03cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Building a Benefits Package That Drives Growth<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33340336 elementor-widget elementor-widget-text-editor\" data-id=\"33340336\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>In a competitive labor market, your benefits package is often the deciding factor for top candidates choosing between you and a competitor. Health insurance, retirement plans, and life coverage aren&#8217;t just expenses \u2014 they&#8217;re investments in your workforce&#8217;s loyalty and productivity. But designing a benefits package that&#8217;s both competitive and cost-efficient requires more than comparing premiums. It requires understanding how plan design affects your tax position, how contribution strategies interact with cash flow, and how your benefits compare to industry benchmarks. We help business owners build benefits packages that accomplish two things at once: attract and retain the people who drive your business, and do it in a way that&#8217;s financially sustainable and tax-optimized for the long term.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-195fef51 elementor-widget elementor-widget-image\" data-id=\"195fef51\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"715\" height=\"410\" src=\"https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2026\/04\/ToC-HR-2.png\" class=\"attachment-large size-large wp-image-70497\" alt=\"\" srcset=\"https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2026\/04\/ToC-HR-2.png 715w, https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2026\/04\/ToC-HR-2-300x172.png 300w, https:\/\/profaj.co\/denememanay\/wp-content\/uploads\/2026\/04\/ToC-HR-2-650x373.png 650w\" sizes=\"(max-width: 715px) 100vw, 715px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e094172 elementor-widget elementor-widget-heading\" data-id=\"6e094172\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Insurance Solutions for Domestic and International Companies<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c1989 elementor-widget elementor-widget-text-editor\" data-id=\"3c1989\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>For international entrepreneurs operating in the U.S., insurance and benefits administration introduces an additional layer of complexity. Understanding COBRA requirements, ACA employer mandates, ERISA fiduciary obligations, and state-specific insurance regulations requires expertise that goes beyond a standard insurance broker. Manay CPA&#8217;s bilingual, bicultural team bridges that gap \u2014 helping international business owners navigate the U.S. insurance landscape with the same confidence as a domestic operator. We also coordinate with your cross-border tax planning to ensure that insurance-related deductions, employer contributions, and retirement plan structures are optimized across jurisdictions. Whether you&#8217;re a U.S.-based company or an international business with American employees, we make sure your coverage is compliant, competitive, and connected to your broader strategy.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d7b4ea5 elementor-widget elementor-widget-heading\" data-id=\"d7b4ea5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Plan Today to Protect Tomorrow<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64c167e elementor-widget elementor-widget-text-editor\" data-id=\"64c167e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The most common insurance mistake business owners make is waiting. Waiting to set up a 401(k) until &#8220;the company is bigger.&#8221; Waiting to fund a buy\/sell agreement until &#8220;we have time to deal with it.&#8221; Waiting to review health coverage until renewal season forces the conversation. Every month of delay is a month of unprotected risk \u2014 for your employees, your partners, and your own family. Our approach is proactive: we evaluate your current exposure, identify the gaps, and build a phased plan that gets the most critical protections in place first. Whether you&#8217;re a startup founder hiring your first employee or an established business owner planning your exit, Manay CPA helps you make the insurance decisions today that protect everything you&#8217;ve built for tomorrow.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10146c31 elementor-align-center elementor-widget__width-initial read-more-btn elementor-widget elementor-widget-button\" data-id=\"10146c31\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Read More<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-38b061d e-con-full e-flex e-con e-parent\" data-id=\"38b061d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1214954f md:pt-80 md:pb-80 pt-50 pb-50 e-flex e-con-boxed e-con e-parent\" data-id=\"1214954f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4c2dee98 e-con-full e-flex e-con e-child\" data-id=\"4c2dee98\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-14fe11e7 e-con-full e-flex e-con e-child\" data-id=\"14fe11e7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3f75cce3 elementor-widget elementor-widget-heading\" data-id=\"3f75cce3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQ<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21078218 elementor-widget elementor-widget-heading\" data-id=\"21078218\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Frequently Asked Questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-53738883 e-con-full e-flex e-con e-child\" data-id=\"53738883\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bed6efb elementor-widget elementor-widget-n-accordion\" data-id=\"bed6efb\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2000\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-2000\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Does my small business need to offer health insurance? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"lu lu-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"lu lu-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2000\" class=\"elementor-element elementor-element-137f7f72 e-con-full pt-5 excl e-flex e-con e-child\" data-id=\"137f7f72\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-28115c91 elementor-widget elementor-widget-text-editor\" data-id=\"28115c91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Under the ACA, businesses with 50 or more full-time equivalent employees are required to offer health coverage or face penalties. However, even smaller businesses often choose to offer group health plans to remain competitive in hiring and retain key employees. We help you evaluate whether offering coverage makes strategic and financial sense for your situation, and if so, which plan structure delivers the best value.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2001\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2001\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What are the tax advantages of setting up a 401(k) plan? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"lu lu-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"lu lu-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2001\" class=\"elementor-element elementor-element-4fb0a541 e-con-full pt-5 excl e-flex e-con e-child\" data-id=\"4fb0a541\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5c6b1f0c elementor-widget elementor-widget-text-editor\" data-id=\"5c6b1f0c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Employer contributions to a 401(k) plan are tax-deductible as a business expense, and employee contributions are made pre-tax, reducing their taxable income. For business owners, a well-designed plan can also serve as a powerful personal wealth-building tool with significant annual contribution limits. We coordinate your 401(k) strategy with your broader tax planning to maximize every available advantage.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2002\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2002\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is a buy\/sell agreement and why do I need one? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"lu lu-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"lu lu-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2002\" class=\"elementor-element elementor-element-63fd65f e-con-full pt-5 excl e-flex e-con e-child\" data-id=\"63fd65f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6d02bfe6 elementor-widget elementor-widget-text-editor\" data-id=\"6d02bfe6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">A buy\/sell agreement is a legally binding contract between business co-owners that defines what happens to an owner&#8217;s share if they retire, become disabled, or pass away. Without one, ownership transitions can lead to disputes, forced liquidation, or unwanted third-party involvement. We help you structure and fund these agreements \u2014 typically with life or disability insurance \u2014 so transitions are smooth and fair for everyone involved.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2003\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2003\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can Manay CPA help international companies set up U.S. employee benefits? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"lu lu-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"lu lu-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2003\" class=\"elementor-element elementor-element-daa737a e-con-full pt-5 excl e-flex e-con e-child\" data-id=\"daa737a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1860b16 elementor-widget elementor-widget-text-editor\" data-id=\"1860b16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Yes. We work with international businesses establishing U.S. operations to design and implement compliant employee benefits programs, including group health insurance and retirement plans. Our team understands the regulatory requirements that apply to U.S.-based employees of foreign-owned companies and coordinates benefits administration with your cross-border tax strategy.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2004\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2004\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How often should I review my company's insurance coverage? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"lu lu-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"lu lu-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2004\" class=\"elementor-element elementor-element-786b7b82 e-con-full pt-5 excl e-flex e-con e-child\" data-id=\"786b7b82\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a45588d elementor-widget elementor-widget-text-editor\" data-id=\"5a45588d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We recommend a comprehensive review at least annually \u2014 ideally 60 to 90 days before your renewal dates. However, any major business change \u2014 hiring milestones, new partnerships, revenue growth, or ownership transitions \u2014 should trigger an interim review. Our team proactively monitors your coverage and alerts you when adjustments are needed.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4cf76d4f e-con-full excl e-flex e-con e-child\" data-id=\"4cf76d4f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-56f4cbf9 e-con-full e-flex e-con e-child\" data-id=\"56f4cbf9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6e6bc872 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"6e6bc872\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"39\" height=\"39\" viewBox=\"0 0 39 39\" fill=\"none\"><path d=\"M26.0466 11.0176H26.0616M31.6716 11.0176H31.6866M38.2491 10.6107C38.2491 15.5645 34.0509 19.5807 28.8741 19.5807C28.2641 19.5807 27.6597 19.5245 27.0609 19.412C26.6297 19.3313 26.4141 19.292 26.2641 19.3145C26.1141 19.337 25.9003 19.4495 25.4766 19.6763C24.2633 20.323 22.8671 20.5404 21.5147 20.2932C22.0316 19.6545 22.3821 18.8975 22.5347 18.0901C22.6284 17.5932 22.3959 17.1113 22.0472 16.7588C20.42 15.1258 19.5041 12.916 19.4991 10.6107C19.4991 5.65883 23.6972 1.64258 28.8741 1.64258C34.0509 1.64258 38.2491 5.65883 38.2491 10.6107ZM11.0653 37.2676H5.84532C5.2397 37.2676 4.63032 37.1813 4.07345 36.9432C2.2622 36.1651 1.34157 35.1357 0.914072 34.4926C0.79805 34.3144 0.741047 34.1043 0.751143 33.8919C0.761239 33.6796 0.837922 33.4758 0.970322 33.3095C3.07032 30.5195 7.94532 28.8357 11.0747 28.8357C14.2022 28.8357 19.0697 30.5195 21.1697 33.3095C21.4341 33.6601 21.4697 34.127 21.2259 34.4926C20.7966 35.1357 19.8759 36.1651 18.0647 36.9432C17.502 37.1696 16.8993 37.28 16.2928 37.2676H11.0653ZM16.2853 19.0595C16.2843 19.743 16.1487 20.4196 15.8862 21.0508C15.6238 21.6819 15.2395 22.2551 14.7555 22.7378C14.2715 23.2204 13.6971 23.603 13.0653 23.8636C12.4334 24.1243 11.7564 24.2579 11.0728 24.257C9.69302 24.2579 8.36928 23.711 7.39256 22.7364C6.41583 21.7618 5.86606 20.4393 5.86407 19.0595C5.86481 18.3759 6.00017 17.6992 6.26243 17.068C6.52469 16.4368 6.90871 15.8634 7.39256 15.3806C7.87641 14.8978 8.45062 14.515 9.0824 14.2541C9.71418 13.9932 10.3912 13.8593 11.0747 13.8601C11.7582 13.8593 12.4352 13.9932 13.067 14.2541C13.6988 14.515 14.273 14.8978 14.7568 15.3806C15.2407 15.8634 15.6247 16.4368 15.887 17.068C16.1492 17.6992 16.2846 18.3759 16.2853 19.0595Z\" stroke=\"#131313\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-130135c8 e-con-full e-flex e-con e-child\" data-id=\"130135c8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d88f7b8 elementor-widget elementor-widget-heading\" data-id=\"d88f7b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Do you have other questions?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7bf04fab elementor-position-inline-end elementor-mobile-position-inline-end elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"7bf04fab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6Njc1OTcsInRvZ2dsZSI6ZmFsc2V9\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"Plan a meeting\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"512\" height=\"512\" x=\"0\" y=\"0\" viewBox=\"0 0 24 24\" style=\"enable-background:new 0 0 512 512\" xml:space=\"preserve\" class=\"\"><g transform=\"matrix(-1.8369701987210297e-16,1,-1,-1.8369701987210297e-16,24.41399955749512,0)\"><path fill=\"#fbb11c\" d=\"M17 6H6v11h2V9.414l9 9L18.414 17l-9-9H17z\" opacity=\"1\" data-original=\"#000000\" class=\"\"><\/path><\/g><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6Njc1OTcsInRvZ2dsZSI6ZmFsc2V9\" >\n\t\t\t\t\t\t\tPlan a meeting\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/span>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-29bd26fd md:pt-80 md:pb-80 pt-50 pb-50 e-flex e-con-boxed e-con e-parent\" data-id=\"29bd26fd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6961c182 e-con-full e-flex e-con e-child\" data-id=\"6961c182\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2e7757a e-con-full e-flex e-con e-child\" data-id=\"2e7757a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-275cb8c0 elementor-widget elementor-widget-heading\" data-id=\"275cb8c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">GET FREE CONSULTATION<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6323a08c elementor-widget elementor-widget-heading\" data-id=\"6323a08c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Full-Service U.S. Accounting &amp; Insurance Firm<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29073426 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"29073426\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Manay CPA is a trusted U.S. CPA firm providing integrated insurance and benefits solutions to businesses in all 50 states. From health coverage and 401(k) administration to life insurance and buy\/sell consulting, we deliver the protection your business needs to grow with confidence.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-53bfb29d e-con-full e-flex e-con e-child\" data-id=\"53bfb29d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-585b0fd3 landform elementor-button-align-stretch elementor-widget elementor-widget-form\" data-id=\"585b0fd3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;step_next_label&quot;:&quot;Next&quot;,&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" name=\"New Form\" aria-label=\"New 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Consultation<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"featured_media":0,"parent":0,"template":"","meta":{"_acf_changed":false,"content-type":""},"class_list":["post-9229","services","type-services","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/profaj.co\/denememanay\/wp-json\/wp\/v2\/services\/9229","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/profaj.co\/denememanay\/wp-json\/wp\/v2\/services"}],"about":[{"href":"https:\/\/profaj.co\/denememanay\/wp-json\/wp\/v2\/types\/services"}],"version-history":[{"count":11,"href":"https:\/\/profaj.co\/denememanay\/wp-json\/wp\/v2\/services\/9229\/revisions"}],"predecessor-version":[{"id":74562,"href":"https:\/\/profaj.co\/denememanay\/wp-json\/wp\/v2\/services\/9229\/revisions\/74562"}],"wp:attachment":[{"href":"https:\/\/profaj.co\/denememanay\/wp-json\/wp\/v2\/media?parent=9229"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}