Business owners
We partner with a select group of successful business owners and professionals, nationwide, who have a wide range of financial needs and goals they aspire to.
Business Succession & Exit Planning
Advisors help business owners develop and execute strategies for exiting their business on their terms—whether through a sale, transfer to family or employees, or another strategy. This includes:
- Valuation planning
- Tax-efficient transition strategies
- Coordination with legal and M&A professionals
- Personal wealth transfer from the business
Tax Strategy & Optimization
Business owners often have complex income streams. Advisors work closely with CPAs to:
- Optimize income between salary, dividends, and distributions
- Implement retirement plans and defined benefit strategies
- Utilize entity structures (e.g., S-Corp vs. LLC) for tax efficiency
- Defer income and accelerate deductions when appropriate
Retirement Plan Design & Oversight
Custom retirement solutions that meet both personal and company-wide goals, including:
- Solo 401(k), SEP IRA, Cash Balance, and Defined Benefit plans
- Attracting and retaining key employees through retirement benefits
- Compliance oversight and fiduciary support
Personal & Business Risk Management
Advisors assess and mitigate financial risks across both personal and business assets:
- Key person insurance
- Buy-sell agreements funded with insurance
- Umbrella, liability, and disability coverage reviews
- Cyber and business interruption insurance consultations
Investment Management & Liquidity Solutions
Advisors help align personal and corporate portfolios with overall goals:
- Tax-efficient portfolio construction
- Diversifying out of business concentration risk
- Use of portfolio lines of credit or business lending solutions
- Managing liquidity events (e.g., business sale proceeds)
Estate & Legacy Planning
Helping business owners protect and pass on wealth:
- Coordinating business interests with estate documents
- Gifting strategies using business equity
- Multigenerational wealth transfer and philanthropic planning
Comprehensive Financial Planning & Coordination
Serving as the client’s financial quarterback to integrate all aspects of their financial life:
- Centralized plan connecting business and personal finances
- Coordination with CPAs, attorneys, and insurance professionals
- Scenario modeling for major business or life decisions