Integrated Planning for Business Owners and Founders

A Planning Partner for Owners

Financial planning for business owners addresses both the business you are building and the personal financial life it supports. Our goal is to help coordinate cash flow, risk management, benefits, and exit planning strategies. This service does not constitute legal, tax, or accounting advice. You should consult with qualified professionals in each of these areas before making decisions.

Who We Work With

• Owners and partners of closely held businesses, professional practices, and family enterprises.
• Founders planning growth, transition, or eventual sale of a company.
• Business owners whose net worth and cash flow are heavily tied to the business itself.

Integrated Business and Personal Planning

• Business risk and continuity - We help coordinate insurance protection strategies to support business continuity planning. Implementation should be done in coordination with your attorney's legal documents and your insurance professionals.
• Cash flow and compensation planning - We help facilitate discussions about compensation structure and balance between business reinvestment and personal financial goals. Tax and legal implications should be discussed with your CPA and attorney.
• Personal financial organization - We help clarify goals, develop financial planning roadmaps for retirement readiness, and connect business decisions to personal milestones such as education funding, home purchases, or lifestyle spending.
  

Retirement and Exit Readiness

• Retirement income picture - Estimate how much you may need to live the way you want, and how much of that may realistically come from the business, savings, and other assets.
• Business exit and liquidity planning - Help you think through different paths—internal succession, third-party sale, or gradual step-back—and how they might impact your personal financial plan.
• Coordination with retirement plans - Align your use of SEP IRAs, SIMPLEs, 401(k)s, defined benefit plans, or other structures with your broader retirement and exit goals.

Planning Around Employees and Benefits

• Employee and executive benefits strategy - Evaluate group benefits, voluntary benefits, and selective executive arrangements to help you attract, retain, and reward key people.
• Owner-specific benefits - Explore how owner-focused benefits fit into your personal planning, from risk protection to retirement accumulation.

Collaboration With Your Professional Team

• Work alongside your CPA, attorney, and other advisors so tax, legal, and financial planning efforts support each other and stay aligned. Adjust the plan over time as revenue, profitability, ownership structure, and your personal goals change.