Services for Business Owners
You take care of everyone else's paycheck. Let's look at yours.
Running a business is a full-time job. Because you are responsible for both the day-to-day operations of the company and its employees, your own personal finances-and even those of the business-often take a backseat. That can have unintended consequences across the board. Your personal finances and those of the business often go hand-in-hand. We offer a variety of services that enable us to develop a customized financial strategy that helps synchronize your goals and balance sheets for both you and your business.
Comprehensive Financial Planning
Most owners measure success against a number in the business — revenue, valuation, a payoff date — rather than against what they actually want their life to look like. A plan replaces the arbitrary target with a real one.
We look at both balance sheets together: what the company needs, what you need, and where those two compete. That’s how you find out whether the business is genuinely funding your future or just consuming the years you’d planned to enjoy. It also tells you what the company has to be worth, and when, for the rest of the plan to work.
Cash Flow
Owner cash flow is a different animal. Income is uneven, distributions compete with reinvestment, and how you pay yourself — salary, draws, distributions — changes your taxes, your retirement plan contribution limits, and what a lender will lend you.
We help you set compensation deliberately rather than by what’s left over, and build the personal reserves that let you ride out a slow quarter without pulling from the business at the worst possible moment. Owners are more exposed than most people realize: when the business has a bad year, personal income usually has one too.
Insurance
Risks run on two tracks. Personally, your family depends on income the business generates. Commercially, the business depends on you — and often on two or three other people it couldn’t easily replace.
That means looking at life and disability coverage sized to what you actually earn, not a group policy’s cap, alongside the business-side pieces: key person coverage, buy-sell funding so a partner’s death doesn’t force a sale, and overhead expense coverage that keeps the doors open if you’re out for months. We’ll tell you what you need and what you don’t.
Investments
The most common mistake we see is treating the business as the retirement plan. It might be — but it’s a single, illiquid, undiversified asset whose value depends on a buyer showing up at the right moment.
Building wealth outside the company is how you make that outcome optional instead of essential. We’ll also make sure you’re using the right retirement plan structure for your situation, since the options available to owners are considerably better than most realize, and choosing well can shelter significantly more than a standard plan allows — for you and for the people you’re trying to keep.
Business Succession & Wealth Transfer
Every owner exits eventually. The ones who plan for it choose the terms; the ones who don’t have the terms chosen for them, usually at a bad moment and often by a court or a lender.
We work through what an exit could look like — sale to a third party, transition to a partner or family member, winding down — and what each path means for your taxes and your income afterward. That includes a funded buy-sell agreement that’s actually current, and coordinating with your attorney and CPA so your estate documents, beneficiary designations, and ownership agreements say the same thing. They frequently don’t.
Employee Group Benefits
Finding good people is hard. Keeping them is harder, and benefits are where smaller companies can compete with much larger ones if the package is designed well rather than assembled by default.
We help you evaluate what you offer against what your people actually value, and structure retirement and insurance benefits that serve the business’s goals as well as theirs. Certain plan designs let you contribute meaningfully to your own retirement while providing a genuine benefit to your team. Done thoughtfully, this is one of the few places where retention spending and your own planning point in the same direction.
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