The personal plan and the business plan are the same plan.
Owners routinely defer personal planning because the business needs the capital. That can make sense early on and becomes harder to justify as an exit approaches — by then, retirement may rest largely on a sale that has never been tested against a real valuation. Whether that describes your situation depends on facts specific to you.
We plan for both sides at once: what the business needs, what your household needs, and what has to be true for an eventual exit to actually fund the life you have in mind.
Retirement outside the business
Building assets that do not depend on a successful sale, so your retirement has more than one path to work.
Succession and exit planning
Whether the buyer is family, a partner, an employee group, or an outside party — each implies different preparation.
Employer retirement plans
Support for owners establishing or overseeing a company plan, including investment selection and monitoring. The scope of any fiduciary role is set out in our written agreement and Form ADV.
Key person and buy-sell
Working with your attorney and insurance professionals on the buy-sell arrangements and coverage that help a business continue if an owner dies or leaves unexpectedly.
Concentration risk
Honest analysis of how much of your financial life rides on one enterprise, and what reduces that exposure.
Coordination with your advisors
We work alongside your CPA and attorney, because tax, legal, and investment decisions here are inseparable.
Planning around a business you built?
A first meeting is a conversation about what you are weighing — no valuation, no documents, no commitment.
