Financial advisors who specialize in business owner finance.
Entity structure, retirement plans that fit your business, QSBS, exit planning, succession — matched with advisors who work at the intersection of financial, tax, and legal advice.
Business owner planning isn't generalist planning
You have 50-90% of your net worth tied up in an illiquid business. Your "income" is a moving mix of W-2 and distributions. You have access to retirement plans most employees don't (Solo 401(k), Cash Balance, Defined Benefit). You face tax rules that don't apply to W-2 workers (Section 199A, reasonable comp, accountable plan). And someday you'll want to exit — which requires 5-10 years of planning to maximize.
- Entity structure. S-corp vs LLC vs C-corp has major tax implications. QSBS (Section 1202) on C-corp stock can exempt up to $10M of gain from federal tax.
- Retirement plan stacking. A 50-year-old business owner can contribute $250-400K/yr tax-deferred with Solo 401(k) + Cash Balance + Defined Benefit combinations.
- Reasonable compensation. S-corp owners can split income between W-2 (subject to FICA) and distributions (not). Getting the split right saves thousands; getting it wrong triggers IRS reclassification.
- Section 199A QBI deduction. 20% deduction on pass-through business income. Phases out at $383K MFJ for "specified service" businesses.
- Exit planning. Installment sales, ESOPs, corporate acquisitions, family succession — each has different tax profiles. Specialist knows the best fit for your situation.
- Key-person and buy-sell insurance. Protects your family if something happens to you; funds your partner buying you out.
Tools & guides
Business Exit Value Calculator
Estimate what your business is worth using EBITDA multiples by industry + project after-tax proceeds.
Financial Planning for Business Owners
Full guide covering entity structure, retirement plans, QBI deduction, and exit planning — practical moves at each stage.
Get matched with a business-owner specialist
Tell us your revenue, entity type, and primary concern. We'll match you with a fee-only advisor who works with business owners. No fees, no obligation.