See our Privacy Policy and Terms of Service for details.

Exit & Succession Planning

Business Protection & Risk

Retirement & Tax Strategy

Employee Benefits & Retention

Technology & Automation

Advisor Confidence

If these questions reveal uncomfortable truths about operational inefficiencies, payment processing waste, or missed opportunities, it's time to consider professional business systems consulting. Acknowledging these gaps isn't a sign of failure, it's the first step toward building a business that runs efficiently, profitably, and sustainably.

A | Future Ready

110–125 Points

Your business is ahead of most. You have systems, planning, and leadership structure in place. This means you are not just running a business, you are building an asset.

However, strong businesses still need regular optimization. The question is no longer, “Do I have a plan?” The question becomes, “Is my plan still the best plan available?”

What this score tells us:

You likely have some structure around:

• Succession planning

• Retirement income

• Employee benefits

• Business protection

• Tax planning

• Automation

• Growth strategy

The opportunity:

Even well-built businesses can leave money on the table through outdated benefits, rising healthcare costs, missed tax credits, underfunded buy-sell agreements, weak key person protection, or inefficient retirement planning.

Owner question:

“If your business is already strong, what would a 5% improvement in tax savings, employee retention, lead conversion, or healthcare costs mean over the next 12 months?”

Recommended next step:

Schedule a Legacy Optimization Review with your R6 advisor.

The goal is to review what is already working and identify higher-level opportunities to increase business value, protect the owner, and improve employee retention.

B | Growth Ready

90–109 Points

Your business has momentum. You have built something worth protecting, but there are still gaps that could affect profitability, retention, retirement, or your future exit.

This is the stage where small improvements can produce big outcomes.

What this score tells us:

You may have some planning in place, but areas may still need attention:

• Buy-sell funding

• Key person protection

• Retirement strategy

• Employee benefit structure

• Tax credit review

• CRM and automation

• Healthcare cost containment

The opportunity:

You are close to being truly future-ready. The danger is assuming “good enough” is good enough.

Good businesses can still bleed money through missed follow-up, weak benefits, high turnover, double-digit healthcare increases, and lack of formal succession planning.

Owner question:

“If your business keeps growing, are your systems, benefits, and exit strategy growing with it?”

Recommended next step:

Schedule a Growth Strategy Session with your R6 advisor.

The goal is to identify the top 2–3 areas that could create the fastest improvement in cash flow, retention, protection, or long-term value.

C | Opportunity Zone

65–89 Points

Your business has clear opportunities to improve. This does not mean the business is failing. It means there are areas that may be costing you money, time, employees, or future value.

This is where most business owners live.

They are busy running the business, but they have not fully built the structure to protect it, scale it, or exit it.

What this score tells us:

You may have gaps in:

• Succession planning

• Retirement income planning

• Buy-sell agreements

• Key person protection

• Employee benefits

• Healthcare cost strategy

• Tax credits

• CRM automation

• Payroll and HR alignment

The opportunity:

If your business depends heavily on you, does not have a funded transition plan, does not have strong employee benefits, and does not automate lead follow-up, then growth becomes harder than it needs to be.

You may be working too hard for money that is leaking out of the business.

Owner question:

“What would happen if you had to step away for 90 days?”

If the answer is “the business would struggle,” then this is the stage where planning matters most.

Recommended next step:

Schedule a Business Legacy Review with your R6 advisor.

The goal is to create a priority roadmap. Not everything needs to be fixed at once. The first step is identifying what matters most now.

D | Immediate Attention Recommended

Below 65 Points

Your score shows that important areas of the business may be exposed.

This does not mean you are doing something wrong. It means you may not have had the right advisory team helping you connect the dots.

Most business owners are excellent at their trade, service, or industry. That does not mean they were taught how to structure retirement, protect key people, reduce benefit costs, use tax credits, or prepare for a future sale.

What this score tells us:

Your business may need immediate review in areas such as:

• What happens if the owner dies, retires, or becomes disabled

• How the business would transfer to family, employees, or buyers

• Whether key employees are protected

• Whether employee benefits are helping or hurting retention

• Whether healthcare costs are rising without a strategy

• Whether tax credits are being missed

• Whether leads are being followed up automatically

• Whether the owner has retirement income outside the business

The opportunity:

This is the highest opportunity stage.

There may be multiple areas where simple planning could improve protection, cash flow, employee satisfaction, and business value.

Owner question:

“If your business is one of your largest assets, who is helping you protect it like one?”

Recommended next step:

Schedule an Immediate Business Protection Review with your R6 advisor.

The goal is to identify the most urgent gaps first and build a simple step-by-step plan.

At R6 Integrity Group, we help business owners protect, grow, and transition what they have built.

We bring together solutions for:

• Life insurance

• Key person protection

• Buy-sell agreement funding

• Group health insurance

• Supplemental benefits

• Retirement plans

• Annuities

• IUL strategies

• Tax credit conversations

• Payroll and benefit coordination

• CRM and automation through Integrity Line

• Employee financial education

• Succession and legacy planning

• Business owners do not need ten disconnected advisors giving ten different opinions.

They need one trusted relationship that helps them ask better questions, find the right experts, and implement solutions that make sense.

Your R6 advisor is your starting point.