Your Business Is Your Biggest Asset.Let's Treat It That Way.
Business owners face a unique financial challenge: your wealth is concentrated, your income is variable, and your personal and business finances are deeply intertwined. We specialize in exactly this.
The same strategy that built your business won’t protect it.
The decisions that make a business successful are not the same decisions that turn business success into personal financial independence. We work at the seam between the two.
Concentration Risk
Your wealth is concentrated in your business — and that's both your greatest opportunity and your greatest risk.
Intertwined Finances
Your personal and business finances are intertwined in ways that complicate retirement planning, tax strategy, and estate planning.
An Advisor Who Speaks Business
Most financial advisors don't understand business. Daniel's CPA background means we speak your language.
Five disciplines, built for the complexity you actually face.
Each of these is a domain where a generalist advisor will miss the nuance — and where a CPA + CFP® team earns its keep.
Business Exit Planning
Whether you're planning to sell in 2 years or 20, the decisions you make now dramatically affect your net proceeds. We model exit scenarios, structure ownership appropriately, and coordinate with your M&A attorney.
Business-to-Personal Wealth Transfer
We help you systematically move wealth from your business into your personal financial plan — through salary optimization, retirement plan contributions, profit distributions, and equity strategies.
Entity & Compensation Structure
Working alongside your CPA and attorney, we analyze your business entity and compensation structure to ensure you're minimizing your tax burden and maximizing retirement savings.
Business Owner Retirement Plans
SEP-IRAs, Solo 401(k)s, defined benefit plans — the right retirement plan structure can dramatically reduce your taxable income. We design and manage these plans.
Key Person & Buy-Sell Planning
We help you protect the business from the loss of key people and structure buy-sell agreements that ensure business continuity and fair valuation.
Four service areas. One coordinated plan.
Most advisors silo business planning from personal planning. We work at the intersection of both — every service area coordinated around your goals.
Insurance Services
- Life Insurance
- Disability Insurance
- Long-Term Care Insurance
Estate Planning
- Tax Reduction Strategies
- Wills & Trust Coordination
- Gifting Strategies
OwnerStrategy
Wealth Management
- Retirement Income Planning
- Wealth Accumulation
- Portfolio Strategy
Business Planning
- Exit Strategies
- Buy-Sell Agreements
- Business Continuation
- Key Man Coverage
- Group Benefits & 401(k)
Insurance Services
- Life Insurance
- Disability Insurance
- Long-Term Care Insurance
Estate Planning
- Tax Reduction Strategies
- Wills & Trust Coordination
- Gifting Strategies
Wealth Management
- Retirement Income Planning
- Wealth Accumulation
- Portfolio Strategy
Business Planning
- Exit Strategies
- Buy-Sell Agreements
- Business Continuation
- Key Man Coverage
- Group Benefits & 401(k)
We coordinate your entire advisory team.
Most business owners have an attorney, a CPA, and maybe an insurance agent — but no one is holding those relationships together. We sit at the center and make sure every advisor is working from the same plan.
Your financial quarterback
Coordinating every professional on your team
Estate Attorneys
We align your financial plan with your estate documents, beneficiary designations, and trust structures so nothing conflicts at death or disability.
Tax Professionals
When you already have a CPA, we work alongside them — sharing tax projections, alerting them to Roth windows, and integrating planning across both sides.
Legal Counsel
Business transactions, operating agreements, employment contracts — we ensure your financial strategy accounts for the legal work happening in parallel.
Insurance Specialists
We coordinate with insurance professionals on coverage gaps and ensure life, disability, and liability policies are properly integrated into the overall plan.
Critical financial events — a sale, a death, a divorce, a windfall — require all of these professionals to act in concert. We make sure that happens.
Let's Talk About Your Business.
Bring us a question, a deadline, or a back-of-the-envelope plan. We'll spend 30 minutes thinking through it with you — no pitch, no pressure.