Who We Serve
Business Owners
Most of your net worth sits inside one illiquid asset that also happens to be your job. Planning has to account for both.
The Situation
Owners rarely have a personal financial plan that is separate from the business. Retirement savings get deferred into the next hire, the next location, the next equipment purchase — and the balance sheet quietly becomes concentrated in one company.
Meanwhile the decisions with the largest long-term effect — entity structure, compensation mix, retirement plan design, buy-sell funding — get made under time pressure with incomplete information.
We build the personal plan first, then work backward into the business decisions that support it, coordinating with your CPA and attorney rather than duplicating them.
Where We Focus
The work that tends to matter most.
- Separating personal financial independence from the value of the business
- Entity structure and owner compensation mix reviewed against multi-year tax brackets
- Retirement plan design — solo 401(k), safe harbor, cash balance — sized to your goals
- Buy-sell funding and key-person coverage so a bad year is not a catastrophic one
- Succession planning: family, management buyout, or third-party sale
- Pre-sale tax planning, well before a letter of intent arrives
How We Help
Planning first, then the portfolio.
Written personal plan
Your independence number, calculated without assuming a specific sale price for the company.
Tax-aware structure
Compensation, retirement contributions, and distributions coordinated across years, not filed reactively.
Exit readiness
Valuation expectations, succession options, and the after-sale portfolio that has to fund everything next.
Next Step
Let's plan around the business, not just inside it.
A short, no-obligation call to see whether a written plan makes sense for your situation.
Schedule a call