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Business Planning

Common steps in Business Planning:

Discovery and Business Analysis:

We embark on a discovery period to fully understand your business and identify areas for financial opportunities.

Evaluate Corporate Structure:

We will work with your other financial advisors (CPA and attorney) and evaluate the effectiveness and benefits of your corporate structure.

Cash Flow Analysis:

We will review your financial statements and coordinate with your other financial advisors to determine any opportunities to implement financial planning strategies.

Risk Management:

We will review both your personal and professional insurance policies to ensure you are adequately protected in your personal life and through your business.

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
  • Finalize and Implement: We will communicate with you and your other advisors to help implement the appropriate strategies.


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


We will partner with your other professionals to explore exit options that may suit your needs and outline a plan of action.

Common Mistakes Small Business Owners Make When It Comes to Their Finances

  • Using their Business Account for personal expenses
  • Not having the appropriate retirement plan or any retirement plan
  • Paying themselves more than they need
  • Not having the correct corporate structure
  • No business continuity plan
  • Not taking advantage of low interest rates and depreciation, when available
  • Using liquid funds to make illiquid purchases
  • Not having a succession and tax plan
  • Not having a good bookkeeper
  • Not delegating or hiring a financial professional
  • Not having an appropriate insurance strategy

Are You A Business Owner Seeking A Personal Financial Advisor?

Thank you!