Business & Personal Advisory


A Better Way to manage your finances

We provide individuals and business owners with proactive and holistic planning services centered around their needs. Rather than clients receiving disjointed advice from multiple independent advisors, we bring all the necessary professionals together to work as one TEAM for you. Whether it’s starting a family, retirement, homeownership, or thinking about buying or selling a business, let’s work together to plan and meet your goals.

How our Team-based approach gives you more

In partnership with other members of your financial team ranging from Financial Advisors to Attorneys, we take on the role of internal strategist, addressing short and long-term goals, improving cash flow, and identifying risks and opportunities unique to you. You can learn more about our Team Based model by reading this article.

Through this holistic Team approach we have access to a network of trusted specialist in the following areas:

Cost Remediation Analysis

What is it? Cost Remediation is an advance planning technique that focuses on decreasing business expenses and maximizing profitability for a business in order to maintain a competitive edge.

How is this accomplished? We work with a Cost Remediation specialist to review (usually at no cost) all business expenses and identify key potential savings including items like shipping costs, credit card processing, manufacturing contracts, utility consumption, and lease audits. Once the study identifies the key cost savings, a plan is drafted and the company performing the study will assist in the re-negotiation of existing contracts or establishing new contracts. A Cost Remediation Company is usually compensated as a percentage of the savings they can generate for a client.  Companies performing Cost Remediations will often have a significant network of businesses that can offer competitive pricing on services without impacting quality.

Who would benefit from this? Business owners of all sizes, especially when organizations have significant overhead costs.

Why would you consider this? In average, Cost Remediation organizations can provide cost reductions between 20% and 25%

Business Valuations

What is it? The process of determining the value of a business as a whole or for a specific production unit.

How is this accomplished? We work closely with professionals trained in business valuations in order to estimates the value of your business using objective estimates and industry averages. Several evaluation models can be used for the determination of a business value therefore, working with an experienced business valuation professional is extremely important.

Who would benefit from this? Business owners of all sizes, especially when entrepreneurs are considering acquiring, selling or expanding their business.

Why would you consider this? Business Valuations are an important stepping stone in order to implement other advance planning techniques, especially when the business owner is considering a sale, merger or acquisition of a business.

Business Financing

What is it? Raising funds to start a business often requires outside financing. Selecting the best financing option for your business is a critical step that requires careful consideration.

How is this accomplished? We work with business financing specialists connected to hundreds of lenders across the country in order to find the best business financing solution for your business. With a large network of lenders, we help our clients close the right loan based on their unique individual situation.

Who would benefit from this? Business owners of all sizes, especially when entrepreneurs are considering acquiring and expanding their business.

Why would you consider this? Business owners looking to expand their business or potentially consolidating existing debt.

Cost Segregation

What is it? A cost segregation study identifies and reclassifies personal property assets to shorten the depreciation time for taxation purposes.

How is this accomplished? We work with professionals that specialize in cost segregations in order to audit-proof this technique and avoid potential challenges by the Internal Revenue Service.

Who would benefit from this? Business with significant assets like Commercial Buildings or major equipment.

Why would you consider this? The primary goal of a cost segregation study is to identify all construction-related costs that can be depreciated over a shorter tax life (typically 5, 7 and 15 years) than the building (39 years for non-residential real property). This allows the business owner to reduce current income tax obligations and increase cash flow.

Retirement Planning

What is it? Retirement Planning is the process of projecting the income level required after retirement age in order to maintain a specific lifestyle. Retirement Planning is also concerned with the implementation of strategies intended to reach those income level goals through investments, assets and other options.

How is this accomplished? We work with Financial Advisors to help identify our client’s retirement goals and craft a sustainable plan that can help achieve those goals.

Who would benefit from this? Business owners of all sizes, especially when entrepreneurs have a well-established business.

Why would you consider this? As the average life expectancy continues to rise, so does the cost to maintain your lifestyle. In order to reach your retirement goals, you need an ongoing plan that is customized to your individual needs.

Social Security Planning

What is it? Social Security Planning refers to the process of working directly with retirees and near-retirees, to develop and implement retirement distribution and wealth transfer strategies as it relates to Social Security.

How is this accomplished? We work closely with Financial Advisors that specialize in Social Security Planning to identify the best strategies intended at maximizing Social Security Benefits.

Who would benefit from this? Business Owners and Individual Taxpayers approaching age 62.

Why would you consider this? With a little proactive planning, we can help clients implement strategies that result in tens of thousands of dollars of additional benefits.

Succession Planning

What is it? Business exit/succession planning helps business owners develop an exit strategy to maximize their after-tax cash proceeds while meeting non-financial objectives.

How is this accomplished? We work with Succession Planning specialists to identify our clients’ best and most lucrative exit strategy based on their individual goals. Succession and exit planning strategies will vary based on the particulars of the business (size, industry, management structure, and cash flow), the state of the economy, the M&A market, and your personal objectives.

Who would benefit from this? Entrepreneurs with a business of any size.

Why would you consider this? As you consider the next phase in your life, you want to ensure that you are exiting the business while maximizing your lifelong investment. Whether you are considering selling your business or planning to have your business managed by someone else, succession planning is essential in order to reach your goals.

Employee Stock Ownership Plans

What is it? Employee Stock Ownership Plans (ESOP) is a type of qualified, defined contribution plan designed to invest primarily in the stock of the sponsoring employer. ESOPs are often used as a corporate finance strategy to create a liquid marketplace for closely-held stock which provides a viable tax-advantaged exit strategy for shareholders.

How is this accomplished? We work closely with professionals that specialize in ESOP transactions to identify and implement the best plan based on our client’s goals.

Who would benefit from this? A common misconception is that by installing an ESOP an owner must give up control of their company to their employees, which isn’t the case. A properly structured ESOP allows an owner to sell some or all their privately held stock, creating liquidity, while still maintaining 100% control of the company.

Why would you consider this? Business owners looking to retain top talent within their organization and implement an effective exit strategy from their business.

Captive Insurance Companies

What is it? Captive insurance is defined as an insurance company that is wholly owned and controlled by its insureds. The purpose of this strategy is to implement an insurance strategy to mitigate risk not covered by your current insurance provider.

How is this accomplished? Captive Insurance Company Reviews are performed by independent, licensed insurance actuaries, our firm works with a large network of professionals that can assist in this area.

Who would benefit from this? Business owners with significant assets and inventory to reduce financial risk for items currently not covered by your existing insurance provider.

Why would you consider this? Reduce the potential for financial loss associated with events not covered by your insurance carrier.

Long Term Care Planning

What is it? Long-term care is intended to cover a range of services that supports your personal care needs. Most long-term care is not medical care, but rather assistance with the basic personal tasks of everyday life like bathing, dressing, and eating.

How is this accomplished? If you have assets to protect, a well-balanced retirement plan could include a Long Term Care Policy intended to protect your retirement savings from being depleted unnecessarily. We work with Financial Advisors that specialize in Long Term Care Planning to identify the best options for your individual goals.

Who would benefit from this? All Business Owners and Individual Taxpayers.

Why would you consider this? Long Term Care is usually very expensive, which is why most people need insurance. For example, on average, nursing facilities providing skilled care charge $150 to $300 per day, which is more than $80,000 a year.

Estate Planning

What is it? Estate planning is the process of anticipating and arranging, during a person’s life, for the disposal of their estate.

How is this accomplished? We closely align with professionals that specialize in Estate Planning so that we can eliminate uncertainties over the administration of a probate and maximize the value of your estate while reducing taxes and other expenses.

Who would benefit from this? All Business Owners and Individual Taxpayers.

Why would you consider this? Early Estate Planning allows you to protect both minor and adult beneficiaries from bad decisions, outside influences, and creditor problems.

Our Team-Based Model alliance brings you planning specialists centered around your individual needs and goals.

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