813.922.1124
Financial Planning & Business Advisory for Business Owners
Proudly serving business owners throughout Tampa Bay and across Florida.
Off the Bay Wealth provides flat-fee financial planning, business financial planning, and tax planning for small and mid-sized business owners in Tampa, Florida. We help business owners make informed financial decisions, build wealth tax efficiently, and connect their business and personal financial strategies.
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Personal Financial Planning for Business Owners
Personal financial planning designed around the unique needs of business owners. We help you make informed decisions around taxes, cash flow, retirement, investments, insurance, and building wealth outside of your business.
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Business Financial Planning & Advisory
Business financial planning to help small and mid-sized business owners make better financial decisions. We provide support with cash flow planning, budgeting and forecasting, profitability, KPIs, and long-term business financial strategy.
Common Questions we can help answer:
Our Financial Planning Process for Business Owners
Financial planning starts with understanding where you are before deciding where to go. Our process brings together your personal finances, business financial picture, and long-term goals to create a clear financial roadmap and help you put it into action.
01. Introductory Call
Our introductory call is an opportunity to get to know each other, discuss the financial questions you’re facing, and determine whether we’re a good fit. If it makes sense to move forward, we’ll gather your personal and business financial information so we can begin building a complete picture of where you stand.
02. Financial Strategy Call
Next, we review your personal and business finances together and discuss what we see as it relates to where you stand today as well as potential gaps and opportunities to improve your financial picture. We’ll also introduce you to the financial planning tools we use and discuss how personal financial planning, business financial planning, and tax strategy may fit together.
03. Plan Construction
If we decide to work together, we take a deeper dive into your financial information and build a personalized financial plan around your goals. Your plan may address cash flow, investments, retirement, tax planning, risk management, estate planning, and the role your business plays in your overall wealth.
04. Financial Plan Review
We meet to walk through your financial plan, explain our recommendations, and prioritize your next steps. Depending on the complexity, this may be one 60–90 minute review or a series of shorter meetings. You’ll leave with a clear financial roadmap and an understanding of how we can work together to put it into action.
05. Ongoing Planning & Implementation
We help turn your financial plan into action and adjust it as your life and business evolve. Personal financial planning clients meet at least twice a year to review taxes, investments, and planning opportunities. Business financial planning clients typically meet monthly to review cash flow, profitability, forecasting, key metrics, and tax strategy.
Why Business Owners Choose Off the Bay Wealth
Flat-Fee Advice for Business Owners
We provide financial planning and business advisory without product sales or commissions, so our advice stays focused on your goals.
Simple, Tax-Efficient Portfolio
We generally favor simple, low-cost, tax-efficient investment strategies, often using passive index funds.
No Asset Minimums. No AUM Fees.
Work with us without transferring your investments or meeting an asset minimum. Our financial planning is billed on a flat-fee basis.
Your Business Is Part of Your Financial Plan
Our financial planning for business owners connects your business value, personal wealth, and long-term goals while helping you build a plan and wealth beyond the business.
A Flexible, Collaborative Approach
We can coordinate with your accountant, attorney, and other trusted professionals to keep your financial strategy connected.
Accounting & Tax Expertise
We bring an accounting and tax perspective to financial planning, helping business owners make more informed decisions across their business and personal finances.
Frequently asked questions
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