Owning a business is incredibly hard and time consuming. You need someone who will walk with you every step of the way helping you.

‍Business Succession & Continuity Planning:
‍If you suddenly didn’t show up for work tomorrow, what would your business be worth? Do you have a Buy/Sell agreement in place where someone would pay your heirs for the business you built? Do you have Key-Person insurance? If you’re the sole income earner in the family – how would you generate income to take care of them? Do you have a documented process and transition plan were something to happen to you.

‍Tax Minimization:
‍We help you minimize your tax bill with proactive planning - have you maxed out your retirement plan contributions? HSA Contributions? Have you captured all your deductions and writeoffs? Proactive tax planning for business owners is incredible important.
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Choose the Right Retirement Plan:
Should your business implement a Solo 401k? SEP IRA? Simple IRA Plan? Safe-Harbor 401k Plan? Based on your goals and your business structure, we help you choose the optimal retirement plan for your business so you can maximize youre retirement savings and tax-deductions.

‍Net Worth Diversification:
For the average business owner, their business accounts 70% - 90% of their net worth. We make sure your assets are adequately diversified and that you can be diversified in your holdings outside of your business.

‍Asset Location:
We make sure that you’re saving in the right places to prepare for an early retirement: How much should you be saving to your taxable account vs. Roth IRA vs. 401ks vs. 529 plans?

‍Are all your accounts invested in the same way?
If you have a Roth IRA, Traditional 401k, and a Taxable Brokerage Account – are they all invested the same way? If so, they shouldn’t be. Each one of those accounts is taxed differently and has a different time horizon on when you’re taking the money out – we help you identify how to allocate your accounts.

‍Custom Investment Portfolio:
We make sure that your investments are adequately diversified, low cost & tax efficient. As fee-only financial advisors - we don’t put our clients in mutual funds that will give us kickbacks or commission - we choose the best ETFs & Mutual Funds for your financial plan. Not every client is the same – so why should your portfolio be? We create a custom portfolio for every client tailored to meet their exact goals and needs. We make sure that your investments are adequately diversified, low cost, & tax efficient.

‍Estate Planning: Do You Know about Probate and How to Avoid It?
Probate is the court-supervised process of distributing your assets after death — and it comes with real drawbacks. It can consume 2%–5% of your estate's value in legal and court fees, drag on for 12–18 months or longer, and become a matter of public record, meaning anyone can see what you owned and who received it. If you pass without a Trust in place, your assets must go through this process whether you have a Will or not — the court still oversees distribution, and a Will alone doesn't bypass it. We help you structure your estate so your wishes are carried out privately, efficiently, and on your terms — not a judge's.