Justin Harnick with New York Life

I specialize in working with business owners who are building something meant to last. When you own a company, your income, equity, and long-term freedom are directly tied to how that business performs — and how well it’s structured. My role is to help you strengthen the foundation while creating flexibility for growth, transition, and long-term wealth. I work with owners on buy-sell funding, key person protection, executive compensation strategies, liquidity solutions, and succession preparation. These structures aren’t just about protection — they’re designed to support scaling, improve balance sheet strength, and create options when it’s time to step back or sell. For many owners, the real goal isn’t just income. It’s optionality — the ability to expand without overexposure, to exit on your terms, and to convert business success into personal, generational wealth. Because when a company grows properly structured, it can: • Create accessible capital • Improve valuation stability • Protect against forced liquidation • Support retirement without selling at the wrong time • Transfer wealth efficiently to the next generation My approach is practical and direct. I help identify structural gaps, strengthen protection, and position both the business and the family for long-term flexibility. Whether you’re scaling aggressively, preparing for an eventual exit, or building something your children can inherit with strength, I help you move forward with clarity and control.