Financial Planning and Advisory Services for Business Owners
Your business and personal finances are closely connected. The salary you take, the taxes you pay, and the money you leave in your business can all affect your personal financial goals. Off the Bay Wealth helps business owners in Tampa Bay and across Florida plan both sides together, across four connected areas.
Business Financial Planning
Understand where your money goes and make better decisions for your business. We review your financial statements, cash flow, and bookkeeping, help you decide how much to pay yourself, and show you which services actually make you money. We also help with pricing, cutting costs, planning big purchases, and setting clear 12-month goals.
Personal Financial Planning
Build wealth outside your business. We help with retirement plans for business owners, investing, insurance for you and your business, paying down debt, and building an emergency fund. We also help you answer the big questions, like whether you can afford a new home, college costs, or time away from your business.
Tax Planning for Business Owners
Plan your taxes before the year ends, not after. We help you estimate and pay quarterly taxes, decide whether an S corp makes sense, find the right split between salary and distributions, use retirement contributions as a tax strategy, and find other strategies that fit your situation.
Exit Planning
Thinking about selling your business someday? The earlier you plan, the more options you have. We help you understand how buyers will value your business, prepare for due diligence, and plan for the taxes and personal finances that come with a sale. Already sold? We help you plan your life and investments after the sale.
Frequently Asked Questions
Which service do I need?
It depends on the decisions in front of you. Many owners start with business financial planning or tax planning, then add personal planning once their business finances are organized. An intro call is the easiest way to find the right starting point.
Do you work with my current accountant and bookkeeper?
Yes. We coordinate with the professionals you already have so everyone is working from the same plan.
Can I work with you on more than one area?
Yes. Most ongoing advisory clients work with us across all four areas, because decisions in one almost always affect the others.