Operating Business
Ownership, distributions, debt, key-person dependencies, buy-sell arrangements, succession, retained earnings and potential liquidity events.
Wealth strategy for business owners
Wealth Planning for Business Owners. Built Around Everything You’ve Created.
Business ownership creates financial decisions that extend far beyond the company. We help business owners connect exit and succession planning, liquidity, personal assets, entity structures, estate priorities and tax considerations into a coordinated strategy alongside their existing professional advisors.
Strategies for business owners
Business Owner Wealth Strategies for Every Stage of Ownership.
Explore the decisions that tend to become connected as enterprise value grows, ownership changes and business wealth becomes personal wealth. Each strategy page is designed to help identify the questions, dependencies and professional coordination that may matter next.
01 · Exit Planning
Business Exit Planning
Coordinate the owner's personal wealth strategy with valuation, deal assumptions, net proceeds, retained exposure and life after the business.
Explore exit planning →02 · Liquidity Events
Liquidity Event Planning
Prepare the financial architecture around a sale, recapitalization, partner buyout or other event before timing becomes compressed.
Explore liquidity planning →03 · Seller Financing
Seller Financing & Business Sales
Map cash at closing, deferred proceeds, buyer credit exposure, payment timing and the seller note within the post-sale balance sheet.
Explore seller financing →04 · Succession
Business Succession Planning
Connect future ownership, control, family or management transition and the owner's personal financial objectives.
Explore succession planning →05 · Estate Strategy
Business Owner Estate Planning
Organize estate questions around the business interests, ownership structure, family objectives and the assets that actually exist today.
Explore estate planning →06 · Risk & Structure
Asset Protection Coordination
Make entity ownership, liability exposure, guarantees, insurance and professional responsibilities visible in one strategic view.
Explore asset protection →07 · Integrated Wealth
Business + Personal Wealth
Connect the operating company with personal liquidity, investments, real estate, debt, family priorities and long-term planning.
Explore integrated wealth →08 · Advisor Coordination
Multi-Advisor Coordination
Create one strategic context across attorneys, CPAs, financial professionals, insurance specialists, bankers and other advisors.
Explore advisor coordination →The business-owner problem
Success creates a second job: coordinating the wealth it creates.
For many owners, the business remains the center of the financial picture long after personal wealth begins spreading across real estate, investment accounts, holding companies, trusts, insurance arrangements and other assets.
Each decision may have been reasonable when it was made. The problem is that the decisions were often made at different times, for different purposes and with different professionals. Over time, the structure can become difficult to see as one system.
True wealth strategy begins when every advisor, asset, and financial decision is aligned with a larger vision.
Business + personal wealth
They may be separated legally. Strategically, they are connected.
Your company can affect cash flow, liquidity, guarantees, estate exposure, insurance needs, succession plans and family decisions. Personal investments and real estate can affect how much risk you can comfortably retain in the business. These systems need context from one another.
Personal Balance Sheet
Investment assets, real estate, liabilities, liquidity reserves, concentrated positions and personal guarantees.
Entity Architecture
Operating companies, holding companies, property LLCs, trusts and personal ownership relationships that may have developed incrementally.
Family & Estate
Beneficiaries, control, succession, estate intentions, family responsibilities and the transfer of both operating and non-operating assets.
The coordinated view
What we bring together.
01
Ownership
How the operating business, holding entities, real estate, trusts and personal ownership relate to one another.
02
Liquidity
How business cash flow, personal liquidity, debt obligations and future transactions affect flexibility.
03
Risk
Where concentration, guarantees, liability, insurance and key-person dependencies may intersect.
04
Tax Context
Which strategic decisions need early CPA or tax-professional involvement before commitments are made.
05
Estate & Succession
How ownership transition, beneficiaries, control and family intentions relate to the assets that actually exist.
06
Professional Team
Which questions belong with your attorney, CPA, financial advisor, insurance professional, banker or other specialist.
Business Owner Planning Library
Explore Business Owner Wealth Planning Topics.
Select a planning category to explore the strategies most relevant to your situation.
Business Exit Planning→Business Valuation & Exit Readiness→Pre-Sale Wealth Planning→Business Sale Tax Planning→Liquidity Event Planning→Seller Financing & Business Sale Planning→Rollover Equity & Earnout Planning→Post-Sale Wealth Planning→Business Succession Planning→Family Business Succession Planning→Buy-Sell Agreement Planning→
Risk Management Planning→Business Owner Asset Protection→Business Owner Contingency Planning→Key Person & Business Continuity Planning→Personal Guarantees & Business Debt Risk→Insurance Strategy Coordination→Business Owner Estate Planning→Estate Liquidity Planning→Wealth Transfer Planning→Business Owner Legacy Planning→Family Governance Planning→
Private conversation
Your business shouldn't be the only part of your wealth with a strategy.
We can begin by identifying where your business, personal wealth, structures and professional team need greater coordination.