PLAN YOUR LEGACY

With a company, employees, and loved ones depending on you, we understand your financial decisions are multi-faceted and highly personal. As you reach the height of your career, or as your business matures, your financial stakes become higher and more complex. As entrepreneurs ourselves, we’ve experienced the unique challenges you encounter daily. We can help you develop long-term plans that thoughtfully integrate the value of your business, your high net-worth accounts, your succession plan, and your executive benefits and stock options. As a business owner, there is often a fine line between your personal and professional life. When you’re ready to make a transition, we’ll guide you in taking strategic actions that have your best interest in mind without compromising your vision or goals for the future. Real professional success includes financial independence to enjoy the fruits of your labor. We can help you achieve that.

HOW WE PROTECT AND PRESERVE YOUR LIFE’S WORK?

Guide you through the sale of a business or concentrated company stock as you transition into financial independence.
Manage your liquid assets to provide asset diversification, which compliments your greatest asset – you and your business.
Design tax-advantaged action plans to meet your goals of maximizing what you keep and minimizing your tax liability.
Alongside your team of advisors and professionals, draft succession, estate, and business continuity plans that will ensure your safety net is in place.
Manage your evolving insurance needs as your assets grow.
Consolidate your investment accounts for comprehensive and centralized management.

DESIGN YOUR OWN PATH

It takes a proactive and forward-thinking mindset to reach your level of success — partner with an advisory firm that shares these same attributes. Allow us to create a financial roadmap that sustains your years of hard work long after you’ve passed the torch.

Frequently Asked Questions

How much should I pay myself versus reinvesting in my business?

Determining how much to pay yourself or reinvest in your business will depend on your income needs, goals, business entity structure, and exit plan. A common allocation method is the 50/30/20 rule, which budgets 50% of profits for reinvestment, 30% for taxes, and 20% for personal income.

What should I do with stock options, RSUs, or bonus compensation?

What to do with stock options, RSUs, and bonus compensation should be evaluated within the context of your broader investment plan and tax strategy. A financial advisor can help you navigate diversifying concentrated positions, managing tax implications, and sticking to a disciplined plan.

When should I start succession planning for my business?

Succession planning can happen early in your business ownership, or at least five to seven years before your planned exit. This timeframe gives you ample opportunity to assemble a professional exit-planning team, identify successors, and align your personal finances with your long-term goals.

How do I plan strategically for an exit?

A strategic exit plan includes balancing your business and personal finances, understanding the tax implications, coordinating timing, and enhancing business value. The process involves determining which type of buyer you prefer, assembling a professional team, conducting a business valuation, identifying ways to protect and build business value, structuring a tax-efficient sale, and addressing key personal financial areas.

What happens to my business and finances if something unexpected happens to me?

We recommend every business owner has a plan in place if the unexpected occurs to preserve business continuity, protect their personal finances and family’s security, and manage taxes efficiently. Without a clear plan, you could put your business and those who depend on you at risk.

How can I lower my taxes?

There are several tailored tax strategies you can consider, including maximizing deductions, tax-loss harvesting, timing income, changing entity structures, and saving for retirement. Partnering with a financial advisor and tax professional can help you identify opportunities and risks that fit your situation and needs.