Why Business Owner Planning is Different
Most financial planning looks at your investments, insurance, and retirement in isolation.
Most business consulting looks at revenue, operations, and strategy in isolation.
If you’re a business owner, those worlds are fused.
Business Owner Planning brings them together so your business decisions and personal decisions finally pull in the same direction.
We look at:
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The health of your business (profit, cash, risk, team), and
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The goals of your personal life (income today, freedom later, family and legacy)
WHAT WE WORK ON TOGETHER
Business Snapshot & Cash Flow
See your business on one clear page. Understand where the money really goes, why cash feels tight (or strong), and which small changes could have the biggest impact over the next 12–24 months.
Owner Income, Risk & Protection
Connect what the business can realistically provide with what you need at home. We look at owner pay, distributions, personal cash flow, and the major risks around people, property, promises, and you as the owner.
Succession, Exit & Your Next Chapter
You don’t need a full exit plan tomorrow. You do need a direction. We explore options—keep, step back, transition, or sell—and outline the early steps that would make your business more transferable and your future more flexible.
KEY FOCUS AREAS FOR BUSINESS OWNERS
Business Snapshot & Cash Flow
We build a simple, one-page view of your business: revenue, margins, overhead, cash, backlog, and owner time. The goal is clarity, not complexity—so you and your leadership team can see the same picture and talk about the same reality.
Owner Income & Personal Planning
We clarify how much income you actually need and want from the business, how it shows up (salary, draws, distributions), and how your personal cash flow really feels. From there, we explore ways to smooth income, reduce stress, and connect your business decisions to your personal goals.
Work, Pricing & Capacity
Not all revenue is created equal. We look at which jobs and customers are truly profitable, where you’re over-discounting, and how much work your team can realistically deliver. The aim is to do more of the right work at the right price—without burning people out.
Risk, Insurance & Guardrails
We identify your main risks across people, property, promises, and personal. Then we connect that risk picture to insurance and other protection strategies, so you’re not just paying premiums—you’re putting real guardrails around what you’ve built.
Succession, Exit & Your Next Chapter
Whether you plan to keep running the business, step back, pass it on, or sell, we talk through what you want your next chapter to look like. Then we outline a path from “where things stand now” to “what would need to be true” for that next chapter to work.