Business Owners

Advisors help business owners develop and execute strategies for exiting their business on their terms-whether through a sale, transfer to family or employees, or another strategy. This includes:

• Valuation planning
• Tax-efficient transition strategies
• Coordination with legal and M&A professionals
• Personal wealth transfer from the business

Business owners often have complex income streams. Advisors work closely with CPAs to:

• Optimize income between salary, dividends, and distributions
• Implement retirement plans and defined benefit strategies Utilize entity structures (e.g. S-Corp vs. LLC) for tax efficiency
• Defer income and accelerate deductions when appropriate

Custom retirement solutions that meet both personal and company- wide goals, including:

• Solo 401(k), SEP IRA, Cash Balance, and Defined Benefit plans • Attracting and retaining key employees through retirement
  benefits
• Compliance oversight and fiduciary support

Advisors assess and mitigate financial risks across both personal and business assets:

• Key person insurance
• Buy-sell agreements funded with insurance
• Umbrella, liability, and disability coverage reviews
• Cyber and business interruption insurance consultations

Advisors help align personal and corporate portfolios with overall goals:

• Tax-efficient portfolio construction
• Diversifying out of business concentration risk
• Use of portfolio lines of credit or business lending solutions
• Managing liquidity events (e.g., business sale proceeds)

Helping business owners protect and pass on wealth:

• Coordinating business interests with estate documents
• Gifting strategies using business equity
• Multigenerational wealth transfer and philanthropic planning