Financial Planning for Business Owners
Turn business success into lasting, tax-smart personal wealth—without starving growth today or your eventual exit.
Common Business Owner Challenges We Help Solve
Align Your Business and Personal Financial Goals
We help you coordinate salary, distributions, and reinvestment so both company growth and personal lifestyle get funded with confidence.
Reduce Unnecessary Taxes
We help you spot entity tweaks, deductions, and retirement vehicles that can keep more profit working for you instead of the IRS.
Plan Your Exit or Next Acquisition
We help you model sale, succession, or roll-up scenarios so you can act at the right time with clear numbers and less tax drag.
Many Financial Advisors Only Focus on Personal Finance—
But Entrepreneurs Need More.
Scaling Owners
Focus on adding locations, staff, or product lines while still paying yourself well. We help you balance salary vs. distributions, design tax-efficient retirement plans, and decide how much profit to reinvest versus diversify.
Acquisition & Succession
Whether you’re buying another company, preparing to sell, or handing the reins to family, we help model valuations, financing fit, deal structure, cash-flow, and tax impact. You’ll see clear scenarios—all before you sign.
Core Services for Business Owners
Tax Strategy & Planning
We help structure entities and optimize deductions so more capital stays in the business.
Cash-Flow Optimisation
We help allocate profits between reinvestment, personal wealth, and taxes—so every dollar has a job.
Business-Owner Retirement Planning
We help you select and set up Solo 401(k), cash-balance, and ESOP scenarios designed around your exit or acquisition goals.
Need a deeper dive? See every service.
Case Study: Reducing Tax Friction While Funding an Acquisition
The challenge: A multi-location service firm needed capital to buy a competitor without jeopardising the owner’s retirement timeline.
Our role: We helped structure a cash-balance plan, rebalance salary vs. distributions, and carve out an investment sleeve to cover the down payment.
Outcome: Two years in, free cash flow has improved and the owner reports a clearer, data-driven path to acquisition.
Individual results vary; past performance is not indicative of future outcomes.
The preceding case study is based on individual client experience and may not be representative of the experience of other clients. They should not be considered a guarantee or indication of future results.
Our 3-Step Process
1.
Explore
Call (15 Minutes):
A short, no-pressure conversation to talk about what’s going on and see if we’re a good fit. No prep needed.
2. Strategy Session – Uncover Your Top Opportunities (60 Minutes): We take a deeper look at your situation, surface the two or three highest-value opportunities, and answer your key questions. The analysis time we invest in preparing for this meeting is typically billed at $750 (waived for qualified households).
Afterwards you’ll receive a concise Strategy Overview summarizing those opportunities and outlining next-step options should you choose to work with us.
3. Put Your Opportunities to Work, Together: If you decide to move forward, we’ll help you put those opportunities into action and keep everything on track. And if it’s not the right time, that’s okay too. You’ll still walk away with clarity, direction, and a few helpful ideas to move forward on your own.
“David and his staff are ultimate professionals. Their business and tax planning strategies have taken my financial planning to a whole new level.”
– Jack Wears ⭐⭐⭐⭐⭐
This testimonial is based upon an individual client experience and may not be representative of the experience of other customers and should not be considered a guarantee or indication of future performance or success.
Answers to Business Owners’ Most Common Financial Questions
How much does planning cost for business owners?
Planning engagements typically range $6 k – $15 k in the first year, depending on complexity and scope. After your no-cost Strategy Session, we quote a fixed fee in writing—no surprises.
Do I need to move my investments to work with you?
Not necessarily. We can advise on held-away accounts, though we may recommend custodial changes if they reduce cost or risk.
Can you coordinate with my CPA and attorney?
Yes. Upon request, we can chair a quarterly round-table with your tax and legal advisers to keep everyone aligned.
What if I’m not ready to sell—just scale?
Our framework prioritises profit allocation, risk control, and future valuation, so scaling today supports options tomorrow.
What happens during the Strategy Session?
You’ll leave with three actionable recommendations (tax, investment, planning). Implementation is your choice—there’s no obligation.
Every Business Owner Needs a Plan—Let’s Build Yours Together.
Book a 15-minute Intro Call and discover the next clear step.
