Our Services

We provide fiduciary investment advice, fee-based wealth management, retirement plan consulting, business advisory services, and tax-aware financial strategies. Our objective is to help clients coordinate their business interests, investments, retirement benefits, executive compensation, tax exposure, risk management, and long-term wealth planning.

Our work is designed to help clients coordinate their business interests, investments, retirement benefits, compensation, tax exposure, risk management, and long-term financial goals.

Who We Serve

Our services are designed for clients with complex financial, business, retirement, and investment planning needs, including:

• Business owners and closely held companies
• Executives and highly compensated professionals
• Retirement plan sponsors
• High-net-worth individuals and families
• Private foundations and charitable organizations
• Professional advisors seeking a collaborative planning resource

We primarily work with businesses generating up to approximately $50 million in annual revenue, retirement plans with up to approximately $50 million in assets, and organizations with up to approximately 500 employees. Through relationships with national recordkeepers, third-party administrators, pension specialists, valuation professionals, executive benefit providers, and other specialists, we can support more complex organizations and companies operating in multiple locations when appropriate.

Business Consulting and Business Owner Advisory Services

Business owners frequently have a significant portion of their net worth, income, and retirement security tied to one company. Our consulting services are designed to help owners better understand their business, improve financial decision-making, strengthen employee benefit programs, and convert business value into long-term personal wealth.

Our business consulting services include:

• Business financial insights and key performance indicator analysis

• Business valuation and value-building advisory services

• Business exit and succession planning

• Shareholder-employee compensation analysis

• Executive and key employee compensation planning

• Retirement plan design and benefit optimization

• Business-owner wealth and liquidity planning

• Buy-sell agreement and funding coordination

• Key-person risk and insurance planning

• Coordination with tax, legal, valuation, retirement plan, and other professional advisors

Business valuation and shareholder compensation are often closely connected. Compensation paid to an owner may require normalization when evaluating business earnings, cash flow, enterprise value, retirement plan contributions, or tax compliance. We help business owners evaluate these issues as part of a coordinated planning process.

Executive Compensation and Deferred Compensation Strategies

Compensation for owners, executives, and key employees can extend beyond salary and annual bonuses. We help clients evaluate compensation and benefit strategies intended to attract, retain, reward, and transition key talent while supporting the organization’s long-term objectives.

These strategies may include:

• Non-qualified deferred compensation plans

• Supplemental executive retirement plans

• Restricted stock and restricted stock units

• Incentive stock options and non-qualified stock options

• Phantom stock and stock appreciation rights

• Profits interests for partnerships and limited liability companies

• Executive bonus arrangements

• Long-term incentive and performance-based compensation plans

• Stay bonuses and change-in-control arrangements

• Split-dollar life insurance strategies

• Key employee retention programs

For privately held businesses, phantom equity, stock appreciation rights, profits interests, deferred bonuses, and performance-based incentive arrangements may provide ownership-like rewards without immediately transferring voting control or actual company shares.

We work with clients and their legal, tax, valuation, and benefits professionals to evaluate how these strategies may affect cash flow, taxes, business value, succession planning, employee retention, and personal wealth accumulation.

Retirement Plan Consulting and Management

Our retirement plan services are designed to help employers establish and maintain plans that support business objectives, participant retirement readiness, fiduciary governance, and owner and key employee benefit goals.

We assist with:

• Retirement plan design and implementation

• 401(k), profit-sharing, defined benefit, and cash balance plan strategies

• Plan fee and service benchmarking

• Investment menu review and monitoring

• Investment Policy Statement development and review

• ERISA fiduciary education and governance support

• Evaluation of ERISA Section 3(21) and 3(38) fiduciary arrangements

• Recordkeeper and third-party administrator coordination

• Automatic enrollment and automatic escalation features

• Qualified default investment alternative review

• Participant education and financial wellness support

• Plan compliance and operational coordination

• Employee communication and enrollment support

• Plan merger, conversion, and provider evaluation assistance

Our approach considers both the employer and employee experience. We evaluate whether the plan is appropriately designed, competitively priced, effectively communicated, and aligned with the organization’s workforce and long-term objectives.

Through relationships with national recordkeepers, third-party administrators, pension specialists, investment fiduciaries, and executive benefit providers, our services can support organizations operating across multiple locations and states.

Investment and Wealth Management

We provide fiduciary, fee-based wealth management for business owners, executives, professionals, high-net-worth families, retirement plan participants, and private foundations.

Our investment process begins with the client’s goals rather than a particular investment product. Portfolio recommendations consider:

• Investment objectives and time horizon

• Risk tolerance and capacity for loss

• Income and liquidity needs

• Tax sensitivity and account type

• Asset allocation and diversification

• Market and economic conditions

• Portfolio volatility and downside risk

• Correlation among investments

• Investment costs and expenses

• Retirement income and distribution needs

• Estate, charitable, and wealth transfer objectives

For business owners and executives, investment management is coordinated with retirement plans, concentrated business or stock positions, deferred compensation, liquidity events, tax considerations, and succession or exit planning.

Client assets are maintained with independent qualified custodians. The applicable custodian, account platform, fees, and services are disclosed as part of the client engagement.

Tax-Aware Financial Planning

Taxes can materially affect investment returns, business cash flow, retirement income, executive compensation, estate planning, and wealth transfer. Our CPA background allows us to incorporate tax awareness into the financial planning and investment management process.

Our planning may address:

• Retirement plan contribution strategies

• Tax-deferred and Roth account opportunities

• Asset location and tax-efficient investing

• Capital gain and loss management

• Income timing and distribution planning

• Executive and equity compensation taxation

• Charitable giving strategies

• Business-owner compensation and distribution planning

• Estate and wealth transfer coordination

• Planning for the sale or transition of a business

We coordinate with the client’s CPA, attorney, and other professional advisors when implementation requires tax preparation, legal documentation, formal valuation, or other specialized services.

Business Valuation and Exit Planning

For many business owners, the business is their largest financial asset. A current understanding of business value is essential for retirement planning, succession, partner transitions, estate planning, gifting, buy-sell agreements, and a potential sale.

We help business owners:

• Develop an initial understanding of business value

• Identify value drivers and business risks

• Review normalized earnings and owner compensation

• Evaluate retirement and liquidity needs

• Prepare for ownership succession

• Coordinate partner or shareholder transitions

• Assess the financial implications of a sale

• Integrate business value into the owner’s personal financial plan

Formal valuations required for tax filings, litigation, divorce, employee stock ownership plans, or regulatory purposes may require a qualified independent valuation professional.

Private Foundation Investment Management

Private foundations have investment, distribution, governance, and tax considerations that differ from those of individuals and operating businesses.

We help private foundations develop and manage investment strategies that reflect:

• The foundation’s charitable mission

• Grant-making and liquidity requirements

• Required annual distributions

• Investment time horizon

• Risk tolerance

• Diversification

• Investment Policy Statement requirements

• Fees and expenses

• Board and fiduciary governance responsibilities

Our CPA-led perspective also recognizes the special rules affecting private foundations, including self-dealing restrictions, excess business holdings, jeopardizing investments, taxable expenditures, compensation, and related-party transactions.

We coordinate with foundation board members, attorneys, accountants, tax professionals, and other advisors to help align the investment program with the organization’s mission and fiduciary responsibilities.

Professional Collaboration

Comprehensive planning frequently requires input from several disciplines. We welcome the opportunity to collaborate with CPAs, attorneys, insurance professionals, valuation specialists, retirement plan providers, third-party administrators, pension professionals, and business advisors who share our commitment to ethical standards, quality service, and coordinated client-centered planning.