Who We Serve
Blue Collar Business Owners
Contractors, plumbers, electricians, HVAC and roofing owners. Real revenue, real equipment, real payroll — and often no one who has ever sat down and done the planning with them.
The Situation
Trades businesses generate serious cash and serious complexity: seasonal swings, equipment financing, bonding, workers' compensation, and a crew that depends on the owner showing up.
Too often the money conversation stops at the CPA's tax return. Nobody is coordinating retirement plan design, the property the shop sits on, the buy-sell with a partner, or what happens if the owner is hurt on a Tuesday.
We think the next generation of millionaires comes out of the trades, and we plan for these businesses with the same seriousness anyone else would reserve for a professional practice.
Where We Focus
The work that tends to matter most.
- Cash flow planning through seasonal and project-based revenue swings
- Owner pay structure and multi-year tax planning with your CPA
- Equipment, vehicle, and real estate decisions — buy, finance, or lease
- Retirement plan design that works with a crew: SIMPLE, safe harbor 401(k), or profit sharing
- Disability, key-person, and buy-sell coverage tied to how the business actually runs
- Succession — to a family member, a foreman, or an outside buyer — and the tax planning before it
How We Help
Planning first, then the portfolio.
Owner-first planning
A personal plan that does not depend on selling the business for a number nobody has verified.
Crew-friendly retirement plans
A plan design that rewards long-tenured employees without breaking the owner's own savings goals.
Handoff strategy
Whether it goes to a kid, a foreman, or a buyer, we work the valuation and the taxes in advance.
Next Step
Let's put a real plan behind the work.
A short, no-obligation call to see whether a written plan makes sense for your situation.
Schedule a call