Wealth Management | Financial Planning | Insurance

This starts with the Value builder Score assessment benchmarking the value of your business.  We also conduct a PREScore™ assessment to look at your personal readiness to exit or transfer your business now or in the future. Then we look at your Freedom Score to determine your wealth gap, which is a measure of your financial readiness.  This initial consultation is concluded with a SWOT analysis and high-level recommendations for going forward

Risk management and insurance are vital in financial planning. They involve identifying risks and using insurance to mitigate financial impacts. Key areas include life, disability, health, property, casualty, liability, and commercial insurance. Effective risk management protects clients against unforeseen events, safeguarding their financial plans and business interests. Additionally, planning for family members with special needs involves creating strategies to ensure their long-term financial security and care

Tax planning is a key part of financial planning. It involves strategies to minimize tax liabilities and maximize after-tax returns. Key areas include income tax planning, investment tax planning, retirement tax planning, estate tax planning, and business tax planning. Effective tax planning helps you keep more of your earnings and investments, ensuring efficient wealth management and achieving financial goals.

Retirement planning for business owners involves identifying your target lifestyle in retirement and allocating finances to achieve that goal. This includes evaluating your entire financial portfolio, from qualified retirement plans like 401(k)s to business management and value, and risk management plans. By carefully measuring and allocating investments and risks, we build a glide path aimed at your retirement goal. Many business owners prefer not to fully retire but have financial and lifestyle goals. We understand this and offer strategies to make it work for you and your family

There are some financial decisions that don't fall easily into any bucket.  They may include cash flow management and budgeting, choosing whether to lease or buy a car, deciding whether it is time to refinance the home or vacation property, planning vacation around the World Cup, or Super Bowl, concierge and other private client services. We include in this category business value management and applying that value to you total financial portfolio and plan.

Exit planning involves preparing for the transfer or sale of a business while considering personal and financial goals. Key components include succession planning, maximizing business value, tax strategies, and legal considerations. Effective exit planning ensures a smooth transition, minimizes taxes, and secures financial stability for the owner and their family. Additionally, preparing the family for the transition is crucial, involving education and communication to ensure they are ready to manage or support the business and maintain the family enterprise

Investment advisory is the bread and butter of a wealth management firm.  We advise on traditional investments and vehicles as well as alternative investments.  Specifically, in the alternatives space, we specialize in direct real estate investment, and analysis of private investments.  We also focus on building value in your business. The goal is growing the wealth from your business, helping you gain access to that wealth (Liquidity), and then using it to fund your long-term financial goals.

Estate planning for business owners is crucial in financial planning and wealth management. It involves organizing personal and business assets to ensure they are distributed according to your wishes while minimizing taxes and expenses. Key components include succession planning, tax strategies, asset protection, and healthcare directives. Effective estate planning ensures your business continues to thrive, your personal wealth is protected, and your loved ones are provided for