Business Owner Financial Planning

We separate personal balance sheets from business, valuing via DCF (discounted cash flows) or multiples (e.g., 4-6x EBITDA). Owner compensation optimizes for taxes (e.g., S-Corp distributions avoiding self-employment tax). Exit planning includes buy-sell agreements funded by key-person insurance, with ESOPs for tax-deferred sales.
Diversification reduces business concentration (often 70%+ of net worth), using liquidity events for Roth conversions. We integrate retirement (SEP-IRA up to 25% compensation) and legacy via FLPs for discounts. Projections model scenarios like recessions impacting cash flow. Annual reviews coordinate with CPAs for integrated planning, ensuring business growth supports personal goals like financial independence.