Budgeting and Cash Flow
For new and early-stage business owners, cash flow is uneven and rationed between you, your family, and the business. A disciplined approach for managing cash flow and repositioning money away from low-yielding savings and investment accounts can lower stress and better fund family expenses.
Reducing and eliminating debt is a critical part of your financial strategy. Along with taxes, debt represents the biggest reoccurring drag on your financial independence. We help you free up cash to reinvest in your business and to meet other family needs.
Investment Advisory & Savings
Business owners understand the importance of diversified income streams. Our access to a wide range of investment and retirement accounts can help you achieve long-term financial security and set up your income plan to ensure retirement assets, including business assets, last a lifetime.
Business income is the key source of income. Building a sound financial strategy means protecting your family with the right insurance to replace lost income and preserve the family’s assets. A key goal for any business owner is to ensure the family needs are taken care of while the business transitions to life without the owner.
College education represents one of the most important long-term investments families make. However, college costs have soared requiring greater student loan borrowing. We assist families and students to effectively navigate the college funding and financial aid application maze by developing strategies to maximize grant aid and stretch expected family contributions.
Ensure the value of the business and other wealth accumulated over the years is not marred by the effects of taxes or other unintended consequences. An effective estate plan ensures your assets are distributed according to your wishes, and in the most tax efficient method possible.