BUSINESS OWNERS & EXECUTIVES


Running a business is a lifestyle commitment.

Entrepreneurs focus a lot of energy on their business, leaving little time to align those objectives with personal and family goals. You deserve to achieve a successful outcome for the time and capital you've invested in your company. We're business owners too, and we have a passion for helping other businesses succeed! Learn more about planning for your business by scheduling to meet with an Adviser today.



Business Succession Planning

We understand that you've worked hard to build your business, we're business owners too. Selling or otherwise transitioning your business is no small task and it's crucial to plan ahead if you want to achieve a successful exit. Whether you wish to transition your business internally to family and key employees or sell to an outside party we can help you understand the process and coordinate plans with legal, tax and other business advisors.

  • Preparing to sell a business
  • Transitioning business to family or key employees
  • Selling your business to an outside third party
  • Mergers and acquisitions
Failing to plan is planning to fail, you’ve worked too hard not to succeed.

Executive Benefit Planning

We can provide you with objective advice and help you manage all types of employer stock options and other fringe benefits from your company. Our team has experience helping business owners and corporate executives navigate these sensitive decisions.

  • Deferred compensation
  • Stock options, warrants and grants
  • Equity awards and restricted stock
  • Pension benefits
  • Retirement plans
We believe it's important to account for your entire financial picture when advising on issues related to the workplace. If your business and personal life are interconnected the financial advice you're getting should be too.

Benefits for Business Owners

Running a successful business is a lot of work, but it comes with its benefits and can be very rewarding. The lifestyle of a business owner affords you many opportunities, some more obvious than others. We encourage collaboration between key decision makers and your other trusted advisors to ensure you receive all the tax, legal and lifestyle benefits you've worked hard to achieve.

  • Retirement plans
  • Deferred income
  • Non-traditional benefits
  • Buy/Sell agreements
  • Key employee retention
We can help you understand and implement strategies that are right for your business. Circumstances will change depending on the number of owners and desired outcome, but a well implemented plan should provide tax efficiencies and benefit the owners.


Retirement Planning

As a business owner you have special opportunities to save even more for retirement. You can even use many of these strategies to benefit your tax situation. We believe you should be prepared for retirement and aware of your trajectory, even if it seems quite a ways off in the future. We have retirement planning expertise and have helped business owners just like you implement better retirement benefits.

  • SEP IRA, SIMPLE IRA, and small business retirement plans
  • 401(k) and Solo 401(k) plans
  • Rollovers, IRA's and other retirement accounts
  • Pensions and Annuities
  • Social Security and Medicare Benefits
  • Elder Care Planning and Long Term Care
We can help you make smart decisions about the way you save for retirement. It's easy to get started and never too late to begin. Selling your business shouldn't be your only retirement strategy and achieving a successful outcome won’t happen by mistake.


Cash Flow & Budgeting

Awareness is the key to gaining more control over your personal and business finances. If you're not already tracking your spending don't worry, we have simple technology that can do most of the work for you and compliment business processes you may already have in place. With the 1080 eMoney Portal it's easy to track all of your savings and spending data.

  • Track all of your account activity
  • Create custom budgets and savings goals
  • Monitor income and expenses
  • Link to your checking, business accounts, lines of credit and loans
The 1080 eMoney Portal can help you gain clarity of how you save and spend your money today. Together we can help you create budgets and develop savings strategies that will lead you to achieving your personal and business financial goals.

Financial Forecasting & Stress Tests

Understand the long term impact of the financial decisions you are considering personally and in your business. Our innovative tools help you visualize financial goals and can project the likelihood of achieving them. The 1080 eMoney Portal connects information from all of your financial accounts which enables us to generate reports and perform simulations based on current accurate data.

  • Personal balance sheet and net worth statements
  • Cash flow projections
  • Monte Carlo simulation
  • Retirement planning analysis
  • Detailed flow charts
  • Tax and inflation assumptions

Investment Planning

Asset allocation should be the primary focus to developing a long term investment strategy. With the 1080 eMoney Portal we can link all of your investment accounts and track values of physical assets such as real estate and business interests. Specific goals should have a specific investment strategy and be flexible enough to accommodate your wishes. With your entire financial picture visible, we have more information to help you make better investment decisions.

  • Stocks & Bonds
  • ETF's (Exchange Traded Funds) & Mutual Funds
  • Alternative Investments, REIT's
  • Trust accounts
  • Retirement accounts
  • Impact Investing (sustainability, corporate governance)
We see the big picture with you and your business, and can provide investment advice across all of your financial accounts, not just the ones we manage. Use the 1080 eMoney Portal to link outside investment accounts and you can see all of your account balances updated daily, in one secure system.



Tax Planning

Business owners are the driving force of the U.S. economy as well as some of the highest contributors to the IRS. As a business owner you have the flexibility to develop a tax planning strategy which involves the business and can benefit you personally. We believe it's best to work as a team and collaborate with your tax advisors, proactive tax planning begins with understanding your business and personal tax situation. By working together we can account for all aspects of your business and implement holistic tax efficient solutions.

  • Business Taxes
    Depending on your personal tax situation and goals you may want to consider certain business structures and accounting methods which can provide substantial tax benefits.
  • Estate Tax
    You may want to consider wealth transfer strategies today if you want to reduce the overall impact of taxes on money transferred to beneficiaries and charities. This is especially true if you intend to transition your business to family members.
  • Income Tax Planning
    Deferring income to reduce current taxes may be something to consider although there are other options to reducing tax liabilities and optimizing saving opportunities.
There are plenty of opportunities to reduce tax liabilities today and in the future, but none of it will happen without planning today.




Risk Management

Risk management and insurance planning is of particular importance to business owners. It's important to assess risk across your entire business and personal financial life. We'll help you evaluate different insurance strategies so you can protect yourself and your business from the costs of accidents, disability, lawsuits and death. The insurance decisions you make should be based on your needs and the needs of your business, there is no one-size-fits-all policy.

  • Business insurance coverage
  • Personal and business liability exposure
  • Life insurance and buy/sell strategies
  • Long term care insurance
  • Disability insurance
We will explain your options, conflicts of interest and compare policies to help you make insurance decisions that make sense for you. With access to many top rated insurance carriers we make it easy to shop for the right policy at the right price.


Estate Planning

Your business is part of your estate plan, whether or not you're prepared. When you pass money from your estate can only go three places: your beneficiaries, charities and the government. You need a trust to protect your assets and a well thought out estate plan to be your voice when you can't speak. We encourage open collaboration with your estate planning attorney and accountant to help design a holistic estate plan that addresses all of your wishes.

  • Trusts and wills
  • Power of attorney documents
  • Health care directives
  • Irrevocable trusts
  • Corporate trustee services

Corporate Social Responsibility & Philanthropy

Today's successful businesses have a duty to give back to the communities that have helped them thrive and become viable businesses. Business owners have the power to positively impact their communities and support initiatives that make our world a better place to live and work.