Services
Built around how a business owner actually lives
The business and the household are not separate books. These services are run as one plan, by one advisor who knows both sides.
What each one covers
Business & Personal Cash Flow
Untangle Business Operations from Personal Finances
- Optimize Owner Compensation: Find the sweet spot between base salary and owner distributions.
- Working Capital Reserves: Build liquidity buffers to navigate lean quarters without stress.
- Clean Financial Separation: Create a strict divide between company assets and personal lifestyle.
Tax Strategy
Shift from Reactive Responses to Proactive Tax Planning
- Entity Optimization: Evaluate S-Corp, C-Corp, or LLC structures to lower overall liability.
- Multi-Bucket Placement: Divide assets intelligently between tax advantaged buckets for maximum tax flexibility now and in retirement.
- Profit Extraction: Systematically move tax-advantaged money out of the business and into personal accounts.
Business Retirement
Supercharge Your Savings & Retain Employees
- High-Limit Owner Plans: Utilize Solo 401(k)s, SEP IRAs, or Profit Sharing to convert company success into savings.
- Team Alignment: Align employee benefits with business success for long-term retention.
- Turnkey 401(k) Administration: Provide modern, low-cost employee benefits without the administrative headache.
Wealth Diversification
Build Wealth Outside Your Business
- Concentration Risk Relief: Build liquid wealth and align portfolios that insulate from industry downturns.
- Net Worth Profiting: Turn company profit into long-term personal equity separate from business performance.
- Sale Independence: Protect your long-term retirement security so it doesn't depend 100% on a future business sale or valuation.
Risk Management
Safeguard Your Business, Family, and Legacy
- Unexpected Protection: Put essential life insurance in place to fund business buy-sell agreements and secure your family's future.
- Complete Estate Planning: Finalize crucial trusts, wills, and powers of attorney so your business and personal assets transfer smoothly according to your wishes.
- Comprehensive Coverage Audit: Align your insurance protection with your legal estate structure to close gaps and eliminate redundant policy costs.
Investment Strategies
Make Your Capital Work as Hard as You Do
- Total-Wealth Risk Alignment: Portfolio risk engineered to complement your total net worth, not just the liquid investments.
- Tax-Aware: Strategic placement of assets across personal and business accounts to lower tax drag.
- Consistent Behavior: Ensure recurring tasks like rebalancing and income decisions are handled systematically to minimize burden.
Charitable Gifting
Leverage Generosity for Lasting Impact
- Tax-Smart Philanthropy: Utilize Donor-Advised Funds (DAFs) and other gifting strategies to offset high-income years.
- Capital Gains Reduction: Donate appreciated assets or even business interests to reduce capital gains exposure.
- Family Legacy Building: Structure giving programs that involve the next generation and pass down your family values.
Real Estate Assets
Integrate Real Estate into Your Broader Net Worth
- Tax-Advantaged Growth: Utilize depreciation, strategic deductions, and tax-deferred exchanges to protect real estate profits.
- Portfolio Balance: Coordinate real estate investments with your broader wealth strategy so your wealth stays appropriately liquid and diversified.
- Income Optimization: Turn property holdings into steady, tax-efficient cash flow streams that support your long-term wealth goals.
Every service above is part of one of the three service tiers, or book a conversation to talk through which one fits. Not sure where to start? The free Financial Health Check shows you in about three minutes.