Close-up of a person in a yellow sweater typing on a laptop at a wooden desk, representing the alignment of personal and professional finances for business owners.

BUSINESS WEALTH STRATEGIES

Financial Planning for Business Owners

For business owners, personal and professional finances are deeply connected. Decisions made inside the business often shape your long-term financial independence.

We help business owners create intentional strategies that align business success with personal goals.

Common Planning Areas

  • Cash flow and tax planning strategies

  • Retirement planning beyond the business

  • Coordinating personal and business investments

Whether you plan to sell, transition, or continue growing, we help ensure your business supports, not defines, your financial future.

  • The deciding factor is usually your employees. A Solo 401(k) is specifically designed for business owners with no full-time employees (other than a spouse). However, the moment you hire eligible staff, you generally must switch to a specific group plan (like a Safe Harbor 401(k), SEP, or SIMPLE) to remain compliant. We help you decide what retirement plan is the best fit for your business.

  • "Variable income" is the #1 stressor for owners. We recommend establishing a "Personal Salary Floor", a fixed monthly amount you transfer to your personal checking account regardless of a good or bad month. We then help you build a "business emergency fund" (typically 3–6 months of operating expenses) to smooth out the cash flow so your personal financial plan remains stable.

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