FINANCIAL PLANNING & INVESTMENT ADVISORS

Build Your Business.
Secure Your Future.

Financial planning and investment management that delivers on clarity, confidence, and accountability for small business owners.

TRU. FINANCIAL. PLANNING.

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Helping Bring Your Financial and Life Goals Together

Small Business Owners Financial Planning

As a small business owner, you are the engine of your own success. You poured your time, energy, and capital into building something from the ground up. But while you’re busy running your business, it can be easy to overlook the critical step of securing your personal financial future. Unlike employees with ready-made 401(k)s and pensions, you have to create your own path to retirement. This requires discipline, expertise, and a lot of planning. We serve as your dedicated financial partner, helping you build a solid foundation for your personal wealth so you can focus on what you do best: running your business.

Business owner using calculator and computer to help with financial planning
presenting financial on ipad to client

Managing Business Cash Flow

Small businesses often experience seasonal cash flow, making it challenging to save consistently. We work with you to establish an emergency savings plan for both your business and personal life. We’ll also help you determine the best way to utilize your operating cash to minimize debt and maximize your financial resources.

Select the Right Retirement Plan for Your Business

Strategic Planning for Your Personal Wealth

Creating Your Retirement Blueprint

We help you establish the framework for a secure retirement. We’ll analyze your goals and help you select the right retirement plan for your business—whether it’s a Solo 401(k), a SEP IRA, or another option. We also help you determine the necessary savings needed to fund your retirement goals, making sure you are on track to build a solid financial future.

Protecting What You’ve Built

Risk Management & Life Insurance

We evaluate your personal and business risks to ensure you have the right protections in place. For small business owners who are also their family’s primary breadwinner, we will assess your need for life insurance and recommend an appropriate amount of term life coverage.

Business & Estate Planning

Your business is a major asset, and it’s vital that it’s seamlessly integrated into your personal estate plan. We help you create a clear plan for the transfer of business ownership upon your death and ensure you have a realistic valuation of what your business could sell for. This preparation helps you avoid being forced into a bad deal and puts you in a stronger negotiating position when you’re ready to sell.

Maximizing Your Financial Resources

Tax-Smart Savings

As a business owner, you have a unique opportunity to optimize your tax strategy. We’ll help you understand how to maximize your Social Security benefits through what you report as salary versus profit. This strategic approach ensures you are making the most of your resources.

Your Accountability Partner

We serve as your dedicated accountability partner, ensuring you are consistently focused on your personal financial health. It’s easy to reinvest all cash flow back into the business, but this can leave you without a personal financial safety net. We help you strike the right balance, solidifying your personal wealth so you aren’t solely reliant on a future business sale. This disciplined approach gives you the financial independence to make decisions on your own terms.

Our Specialties

Comprehensive Financial Planning

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Investment Planning

Retirement Planning

Insurance Planning

Estate Planning

Tax Planning

Business Planning

Education Planning