Your business capital should support growth and opportunity. I can help you design a smart structure for savings, investments, and liquidity. We can provide access to lending and banking solutions through Wells Fargo affiliates to help ensure you are working in alignment with your broader financial strategy.

 

Business planning includes:

• Business brokerage and investment accounts
• Cash reserve planning
• Balancing liquidity needs with long-term returns

Your business capital should be aligned with your bigger financial vision, not left sitting idle.

Many business owners pay more in taxes than necessary simply because their investment plan and tax strategy are not aligned. I coordinate directly with your CPA to create a unified approach to tax planning strategies.

This includes:

• Structuring compensation between salary and distributions
• Maximizing tax-deductible retirement contributions
• Planning for fluctuating income
• Timing of capital gains and deductions
• Annual strategy sessions with your CPA

This system helps prevent missed opportunities and helps reduce long-term tax drag.

Business owners have access to powerful retirement strategies that can significantly impact tax savings and long-term wealth. I can help you choose and manage a plan that fits your goals, cash flow, and team size.

SEP IRA

A flexible, tax-efficient option for small business owners who want:

• High contribution limits
• Minimal administrative work
• Scalable contributions based on profitability

SIMPLE IRA

An affordable plan for businesses with employees who prefer:

• Straightforward setup
• Predictable employer matching
• Lower costs than a 401(k)

Solo 401(k)

Ideal for business owners with no employees who want:

• High contribution limits
• Both Roth and pre-tax options
• Loan features and flexible design

Full 401(k) Plans

A comprehensive employee benefit that helps you:

• Attract and retain strong talent
• Customize contributions and matching
• Gain significant tax benefits as the owner

Together we can build a retirement structure that fits your business and supports your long-term goals.

Selling your business can be an important financial event that shapes the rest of your life. Preparing well in advance can help you keep more of the wealth you have built.

With the help of Wells Fargo affiliates, I help business owners navigate:

• Strategies to reduce capital gains taxes
• The difference between asset sales and stock sales
• Planning for investment of sale proceeds
• Transitioning from business income to portfolio income
• Coordination with your CPA and attorney

A thoughtful exit plan can help turn a stressful transition into long-term financial preservation.

Your business is often your largest asset. Whether you plan to sell it, pass it down, or transition to key employees, a clear succession plan helps preserve your legacy.

With the help of Wells Fargo affiliates, I help business owners navigate:

• Family or internal transition planning
• Financial preparation for a future sale
• Buy-sell agreement guidance with your legal team
• Contingency planning for unexpected events
• Integrating succession planning with your personal financial strategy

A strong succession plan helps provide stability, clarity, and preservation for both your business and your family.