Retirement plan design, entity structure, and eventually an exit — owner-focused planning that treats the business as the asset it is.
Reviewing your retirement plan design (or building one if you don't have one), your entity structure, and how business and personal finances currently overlap.
Owner concentration risk, key-person insurance needs, and building toward a succession or exit plan well before you need one.
The questions that come up most as your business grows and your own financial picture gets more complex.
We estimate your annual tax liability early and set up a quarterly payment schedule so you're not caught short at filing time.
Try the Tax Calculator →It can be a powerful lever — deferred compensation lets you push income (and the tax on it) to a later year, often when you expect to be in a lower bracket.
Read more on the blog →It depends on your budget, headcount, and what you're competing for talent against — retirement plan design and health benefits are usually the first two levers worth reviewing.
Read more on the blog →Entity structure, insurance coverage, and asset titling are usually the first line of defense — we coordinate this with your attorney rather than treating it as an afterthought.
Read more on the blog →A Buy-Sell Agreement spells out what happens to a business owner's stake if they die, become disabled, or want to exit — if you have any co-owners, you almost certainly need one.
Read more on the blog →Whether you're planning to sell, pass the business to family, or transition to a partner, succession planning works best when it starts years before you actually need it to.
Read more on the blog →Entity structure and timing decisions made years before a sale often matter more than anything you can do after the deal closes — along with how the proceeds get invested afterward.
Read more on the blog →SEP, SIMPLE, Solo 401(k), or a cash balance plan — the right answer depends on your income, employees, and goals.
Years before you plan to sell — valuation and tax structure both improve with lead time.
Your 401(k) is funded by your own salary deferrals. A profit-sharing contribution is an additional, discretionary employer contribution you as the owner can make on top of that — both count toward the same overall annual limit.
A Cash Balance Plan is a type of defined benefit plan that lets business owners contribute well beyond standard 401(k) limits, often used to accelerate retirement savings and reduce taxable business income.
We estimate your annual tax liability early and set up a quarterly payment schedule so you're not caught short at filing time.
Retirement plan design, entity structure, and timing of income and expenses are usually the biggest levers available to business owners.