What happens to your business when you are ready to step back?
For business owners, the company is often the largest asset on the balance sheet. We help clients think through the exit question with the same rigor they applied to building the business - valuation, tax implications, income planning, and legacy.
Do you know how your retirement income will actually be taxed?
Turning assets into reliable, tax-efficient income requires a different kind of planning than accumulation did. We help clients figure out which accounts to draw from, when, and in what order - before the decisions become urgent.
Protecting what you have built from risks you have not fully priced in.
Business owners and high net worth individuals face risks that go beyond market volatility. Liability exposure, key-person risk, and asset concentration can each create meaningful vulnerabilities that traditional investment portfolios do not address.
Most of these strategies require accredited investor status - generally individual income over $200,000 (or $300,000 joint) for two consecutive years, or a net worth over $1 million excluding your primary residence. A 15-minute call is usually enough to determine whether any of these strategies apply to your situation.
Financial planning typically focuses on budgeting, savings, and investment allocation. Wealth planning goes deeper - it addresses what happens to your assets across a lifetime and beyond. That includes business exit strategy, tax-efficient income in retirement, legacy planning, liability protection, and how all the pieces interact. It is a more complete picture.
For most business owners, the company is the largest asset on the balance sheet. We help you think through the exit question with the same rigor you applied to building the business - valuation ranges, tax implications of different exit structures, what income looks like after the sale, and how to protect what you receive. We do not sell businesses, but we work alongside the advisors who do.
Earlier than most people think. The decisions you make two to five years before an exit - on entity structure, compensation, retained earnings, and key-person planning - have a significant impact on what you walk away with. If you are within five years of a potential exit, this is worth a conversation now.
Turning assets into reliable income is a different problem than growing assets. We help you figure out which accounts to draw from, in what order, and when - to minimize taxes and make income last. That includes Social Security timing, RMD planning, Roth conversion windows, and coordinating portfolio withdrawals with other income sources.
Beyond market volatility, high-net-worth individuals and business owners face risks that standard portfolios do not address - concentrated asset positions, liability exposure, key-person risk, and gaps in insurance coverage. We look at the full picture and help identify vulnerabilities before they become problems.
Yes - and we prefer it. The best outcomes in wealth planning almost always require everyone at the table. We coordinate with your existing advisors and, where needed, can refer you to specialists we have worked with and trust.
Fifteen minutes. We ask questions, you ask questions, and we give you an honest read on whether this is a fit. No agenda, no pitch. If it makes sense to go further, we talk about what that looks like.
That is exactly what the first conversation is for. Fifteen minutes. No obligation.
