Who This Is For
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Owners whose net worth is mostly tied up in their business
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Owners who aren't sure which retirement plan fits them
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Owners weighing a big personal decision, like a home, a sabbatical, or college costs
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Owners who want to know how to save for big goals
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Owners who want to know if they are on track for retirement or being work optional
Build Wealth Outside Your Business
How should business owners build wealth outside their business?
We help you move money out of the business and into investments and retirement accounts on a steady plan, so your future doesn't depend on cash generated only from your business.
Investing
We generally favor simple, low-cost, tax-efficient investments, and we build your investment plan around your goals and your business income.
Retirement Planning for Business Owners
What is the best retirement plan for a business owner?
It depends on your income, whether you have employees, and how much you want to save. We compare options like a Solo 401(k), SEP IRA, SIMPLE IRA, and others to find the best fit for your business and your tax situation.
Am I on track to retire or become work optional and when?
We project where your savings are headed and show you what it takes to reach your retirement and work optional goals.
Protect What You've Built
What insurance does a business owner need?
We review your personal and business coverage, including life, disability, liability, and other policies, to find gaps and overlap.
Emergency fund and debt
We help you size your personal emergency fund and build a plan to pay down debt.
Big Personal Decisions
Can I afford it?
A new home, college costs, a long trip, or a sabbatical from your business. We show you what each decision means for your long-term plan before you commit.
Frequently Asked Questions
How is financial planning for business owners different?
Business owners generally have irregular income, more tax complexity, and most of their wealth tied to one asset. Planning for owners should account for all three.
What retirement plans can a small business owner use?
Common options include a Solo 401(k), SEP IRA, SIMPLE IRA, traditional 401(k), and cash balance plan. The right choice depends on your income, employees, and savings goals.
Do I have to move my investments to work with you?
No. We don't require an asset minimum or that you move any accounts.