Who we serve Business owners

Financial planning for business owners.

Your business and your personal finances are tied together. We help you plan for both, from cash flow and taxes today to retirement plans for your team and an eventual sale or succession.

Book with Zack What to expect

Is this you?

You own a business, often a small or growing one, and want your personal plan and your company working toward the same goals.

Decisions we help you make

Every plan is built around your situation. These are the questions we work through most often.

Cash flow and owner pay

Balancing what you take out of the business with what it needs to grow.

Retirement plans

Choosing between a SEP-IRA, SIMPLE IRA, Solo 401(k) or 401(k) for you and your employees.

Entity and tax planning

Working with your CPA on structure, owner compensation and tax-efficient strategies.

Key employee retention

Bonus, equity and benefit approaches to keep the people your business depends on.

Succession and exit

Planning for a sale or transition years ahead, including what the proceeds need to do for you.

Protecting the business

Reviewing insurance, buy-sell agreements and estate documents.

A situation we often see

Every client is different. This hypothetical example shows how we might approach a common situation.

This case study is hypothetical and for illustrative purposes only. It is a composite based on situations we commonly see and does not represent any specific client. Your results will depend on your own circumstances. It is not a guarantee of future results or a recommendation for any individual.

Building wealth alongside the business

The situation: The owner of a 15-person services company with uneven cash flow, no retirement plan and no succession plan.
What we did: Working with his CPA, we set a consistent owner pay structure, put a safe harbor 401(k) with profit sharing in place for him and his team, and reviewed his buy-sell agreement and insurance.
The outcome: Predictable personal income, meaningful tax-deferred savings each year and a benefit that helps him keep key employees.

Common questions

General information to help you think through your situation. Your plan will depend on your own circumstances.

Which retirement plan is right for my business?

It depends on your income, how many employees you have and how much you want to save. A SEP-IRA is simple, a SIMPLE IRA suits smaller teams, a Solo 401(k) works for owners with no employees, and a 401(k) with profit sharing offers the most flexibility.

How should I pay myself?

Owner pay affects your taxes, your retirement contributions and your company’s cash flow. We work with your CPA on a structure that fits your goals, such as a reasonable salary plus distributions if you own an S corporation.

When should I start planning for a sale or succession?

Ideally three to five years before you want to exit. That leaves time to strengthen the business, plan for the taxes on a sale and decide what the proceeds need to do for you.

Getting started

Your first meeting is free, with no obligation. If you have them handy, it helps to bring: recent business and personal tax returns, a current profit and loss statement, statements for any retirement accounts and any existing buy-sell or estate documents. Nothing is required for the first conversation.

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