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Business Owners / Entrepreneurs

We have vast expereince dealing with niche details specifically for business owners and entrepreneurs.

We specialize in working with business owners and entrepreneurs, recognizing that every industry and every individual brings a unique set of complexities. With deep experience navigating these nuances, we help you optimize your financial landscape. The more complicated the situation, the more intrigued we are.

Because your personal and professional lives are closely intertwined, we support you through every stage, from growth to succession. Our strategies focus on liquidity, tax efficiency, and legacy planning, helping you protect what you've built while positioning you for what's next.

Though unique, most small and mid-sized business owners have common goals:

Though unique, most small and mid-sized business owners have common goals:

  • Keep as much money in your pocket net of taxes as possible
  • Sell your company and commercial real estate as tax-efficient as possible
  • Create enough net worth to provide you with a financially healthy balance sheet to live well while working, sustain you in your retirement years, and provide a legacy to heirs when possible

Sample Asset Map: Small Business Owner
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Asset Maps summarize a person's financial situation in their current state.

Below is an example of an Asset-Map for Small Business Owners.

VIEW THE ASSET MAP HERE









5 Retirement Strategies for Small-Business Owners and How to Address Them

5 Retirement Strategies for Small-Business Owners and How to Address Them

As a business owner, you face unique challenges when building a financial future. This report provides insights into mistakes small business owners often make and steps to take when building toward the retirement you desire.

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Common Retirement Plans for Small Business Owners

Common Retirement Plans for Small Business Owners

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Common Pension Plans for Small Business Owners

Common Pension Plans for Small Business Owners

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What Issues Should I Consider as a Small Business Owner or 1099 Worker?

What Issues Should I Consider as a Small Business Owner or 1099 Worker?

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What Issues Should I Consider When Starting a Business?

What Issues Should I Consider When Starting a Business?

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Case Study

Contractor

Contractor

  • Family-owned business
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Sellers - Married

Sellers - Married

  • Jane, 56 years old, owns 50%
  • Joe, 59 years old, owns 50%
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Buyer - Daughter

Buyer - Daughter

  • Zoe, 35 years old
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Gross Revenue

$8,000,000

Purchase Price

$2,575,000

Cost Basis

$16,000

Potential Taxes Owed

$850,000

Goal

Goal

Transfer the ownership in a tax-efficient manner.
Jane & Joe would like to receive an income stream over time, and in the future if possible.

Our Process

  • Buyout - $2,575,000
    • $2,575,000 - Installment payments
      • Almost 100% of the payments would have been considered taxable to Jane & Joe
      • Zoe cannot deduct the principal portion of the installment payments

Our History

  • Buyout of $2,575,000
    • $1,000,000 - Company equity was transferred tax-free
    • $1,575,000 - Installment payments
      • Annual installment payments were made over five years
      • $1,400,000 is tax-deferred until Jane & Joe turn 72 years old
      • $175,000 is taxable
      • Zoe can deduct 100% of the installment payments

This is a case study for illustrative purposes and should not be construed as a recommendation. It may not be representative of your experience