Advanced planning for owners with complex financial lives.
Business owners often need coordination across business value, personal wealth, taxes, liquidity, succession, retirement, and investment management.
Tax Efficiency
Coordination of income, deductions, retirement strategy, and investment planning to reduce unnecessary tax drag.
Succession & Liquidity
Planning for business transition, liquidity events, and continuity of family wealth.
Retirement Plan Integration
Coordination with retirement plan strategies, including Cash Balance and defined benefit planning when appropriate.
Investment Coordination
Fiduciary asset management that fits the owner's risk profile, cash flow, tax needs, and liquidity requirements.
Risk Management
Review of concentration risk, business dependency, key-person exposure, and family continuity issues.
Legacy Planning
Coordination with estate planning professionals to support wealth transfer and family objectives.
Business owner planning questions
Why should a business owner work with a separate wealth advisor?
Business owners have overlapping personal, business, tax, retirement, and succession decisions that affect each other. A coordinated wealth advisor ensures the household balance sheet, retirement plan, tax strategy, and eventual transition are aligned — not handled in silos.
Do you help plan for a business sale or succession?
Yes. We coordinate planning around liquidity events, succession structures, and the transition of family wealth, working alongside your CPA, attorney, and any M&A advisors.
Can you help integrate a Cash Balance or defined benefit plan?
Yes. When appropriate, we coordinate with retirement plan strategies — including Cash Balance and defined benefit plans — to help reduce taxes and accelerate retirement savings for owners and key employees.
What size businesses do you typically work with?
We work with privately held business owners whose personal investable assets, business equity, or anticipated liquidity event create a planning need that benefits from coordinated fiduciary guidance.