Business owners face a unique financial planning challenge: your personal wealth and your business wealth are deeply intertwined. A stock option is not the same as a diversified portfolio. A handshake succession plan is not the same as a funded buy-sell agreement. We help business owners untangle these complexities and build a plan that protects both the business and the family.
What We Address
- Retirement plan design — SEP-IRA, SIMPLE IRA, Solo 401(k), and defined benefit plan analysis to determine which structure maximizes your contributions and minimizes your tax burden
- Succession and exit planning — Valuation guidance, buy-sell agreement funding, timeline development, and strategies to maximize after-tax proceeds from a sale or transition
- Key person and buy-sell insurance — Life and disability coverage structured to protect the business and fund ownership transitions
- Cash flow management — Balancing business reinvestment with personal financial goals, including owner compensation optimization
- Entity structure review — Coordination with your CPA on S-corp, C-corp, and LLC tax treatment as your business and personal tax situation evolves
The Exit Is the Biggest Financial Event of Your Life
For most business owners, selling or transitioning the business represents 60-80% of their total wealth. Despite this, many owners approach the exit without a plan. We begin modeling exit scenarios years in advance — testing the impact on your retirement, your tax bill, and your estate — so that when the time comes, you are ready to make decisions from a position of clarity, not pressure.
Integrating Business and Personal Planning
We build a single, integrated financial plan that accounts for both your personal assets and your business interests. This allows us to model scenarios like: What if you sell the business in 3 years vs. 7? What if revenue drops 20%? What if you bring in a partner? When your personal and business planning are connected, you make better decisions in both domains.
