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Small Business Owners

Our financial planning firm offers a wide range of services to help small business owners achieve their personal and professional goals. Whether you are planning to sell your business, grow your business, or pass it on to your heirs, we can assist you with every aspect of the process. Some of the services we provide are:

  • Business valuations: All of our relationships with small business owners start with a complimentary business valuation.  We can help you determine the fair market value of your business and advise you on the best time and method to sell it.
  • Business Planning: We can help you establish and update the necessary legal and financial documents for your business, such as operating agreements, buy/sell agreements, contracts, and tax filings.
  • Sale coordination: We can help you navigate the complex steps involved in selling your business, such as finding buyers, negotiating terms, preparing documents, and closing the deal.
  • Growth and efficiency: We can help you identify and implement strategies to increase your revenue, reduce your costs, and optimize your operations.
  • Tax optimization: We can help you maximize the tax benefits of owning a business, such as deductions, credits, deferrals, and exemptions.
  • Workplace retirement plans: We can help you set up and manage retirement plans for yourself and your employees, such as 401(k), SEP IRA, SIMPLE IRA, or solo 401(k).
  • Business succession: We can help you transfer your business interests to your family members or other beneficiaries, while minimizing taxes and preserving your legacy.
  • Employee retention: We can help you attract and retain qualified and loyal employees by offering competitive compensation and benefits, such as health insurance, disability insurance, life insurance, and fringe benefits.
  • Risk management: We can help you protect your business and personal assets from potential losses, such as disability, premature death of an owner, lawsuits, accidents, theft, natural disasters, and cyberattacks.
  • Proper business structure:  We can help you identify the optimal tax structure for your business.
  • Cash management: We can help you manage your cash flow and liquidity, such as budgeting, saving, investing, and borrowing.
  • Integration with personal financial planning: We can help you integrate the sale of your business with your personal financial goals, such as retirement, education, estate, and legacy planning. We use sophisticated software to forecast various scenarios and help you make informed decisions.
  • Estate planning: We can help you create and execute a comprehensive estate plan that reflects your wishes and values, such as wills, trusts, powers of attorney, and health care directives.
  • Portfolio management: We can help you design and manage a diversified portfolio of investments that suits your risk tolerance, time horizon, and objectives.