Business Valuations:

Analyzing the worth of your business is an important step in planning for your financial future. Using a systemized, proven valuation tool that looks at every aspect of your small to midsize business, we provide a customized 17-page valuation report at a fraction of the cost typically charged for this type of service. Based on the results of the report, our team suggests short- and long-term next-steps to help you increase the value of your business to strengthen your financial position when it comes time to sell.

Discovery and Business Analysis:

We begin by working with you to analyze your individual business needs and craft a solid business plan to help leverage your assets for optimal growth, maximize tax benefits, protect your personal and business assets, and grow the value of your business.

Evaluate Corporate Structure:

We will work closely with your CPA and attorney to evaluate the effectiveness and benefits of your corporate structure.

Buy sell agreements and funding strategies:

When does a business need a buy-sell agreement? Every co-owned business needs a buy-sell, or buyout agreement the moment the business is formed or as soon after that as possible. ... Every day that value is added to a business without a plan for future transition, it increases the owners' financial risk.

Cash Flow Analysis:

Most of our clients come to us with one very pressing question: “Will I have enough money to last the rest of my life?” Working together, we can put a plan in place to help provide sufficient cash flow to support your desired lifestyle for the rest of your life. To help achieve this goal, we work with you to review your financial statements and coordinate with your CPA to determine any opportunities to implement financial planning strategies.

 

Debt management:

This is an important component of every financial plan. Rather than perceiving all debt as a negative, we work with you to leverage debt, using it as a valuable tool to support your long-term goals—from helping you understand when and how to purchase your next automobile, to making optimal decisions when investing in property and business interests, to ensuring your debt-to-income ratio is always in alignment.

Risk Management:

Is necessary both to protect your assets and to provide for your loved ones after your death. No matter how sound your investment strategy, risk has the power to steer long-term plans in a negative direction. We work with you to manage that risk and effectively protect your assets—from mitigating taxation using a balanced strategy of pre-tax and after-tax savings, to purchasing insurance through a 401(k) plan, to applying the appropriate level of Life and Long Term Care (LTC) insurance coverage.

Optimizing Retirement Plans for You and Your Business:

We will help identify different types of retirement plans that make sense for your business and what their potential benefits are.

Types of Retirement Plans May Include:

  • 401(K) Defined Contribution Retirement Plan
  • Defined Benefit Pension Plans
  • Defined Benefit/ 401(K) Defined Contribution Combination Plans
  • Profit Sharing Plans
  • Cash Balance Pension Plans
  • SEP IRA Retirement Plan
  • Simple IRA retirement plans

Finalize and Implement:

As your financial planners we will communicate with your CPA and attorney to help implement the strategies that best fit your needs.

Monitor:

We will monitor the evolution of your business and continue to find appropriate solutions designed to meet your ever-changing goals.

Exit planning:

When the time comes to transfer ownership of your business, an effective succession plan is vital to ensuring your ability to leave the business when you want, transfer the business to the owners you choose, and gain the greatest return on your personal investment. Our team will partner with your CPA and Attorney to explore exit options that may suit your needs and outline a plan of action.