Financial Planning
One plan for your business and your life.
Your Takeaway
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A tax strategy built before tax season, not after it
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Owner pay and distributions set up to keep more money in your pocket
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An entity structure that fits your business today and where it's headed
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A plan for protecting what you've built, and eventually passing it on
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Every piece coordinated with your CPA and attorney
Tax Saving Strategies
Business owners have access to tax opportunities that most people don't, but only if someone is looking for them. We work with your CPA to find the credits, deductions, and strategies that fit your situation, including:
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Business tax credits you may be missing
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Accelerated write-offs on equipment and property
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Charitable giving strategies
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Real estate tax strategies
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Larger deductible retirement contributions
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The Qualified Business Income deduction for pass-through owners
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Using investment losses to offset gains
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Hiring your children in the business, done properly
The goal is simple: keep more of what you earn, legally and confidently.
Owner Pay and Entity Structure
How you pay yourself, through salary, distributions, or both, and how your business is structured can make a surprising difference in what you owe. S-corp or LLC? How much salary is reasonable? When should profits stay in the business? We'll help you set it up correctly and revisit it as your business grows.
Protecting What You've Built
The right insurance, a current estate plan, and a clear plan for what happens to the business if something happens to you. These aren't exciting topics, but they protect everything else.
For owners thinking about the future, we also design step-by-step plans for passing the business to family in a tax-smart way, while you keep control for as long as you want it.
Planning the Sale
How a sale is structured often matters as much as the price. Timing, payment terms, and tax treatment can change what you actually take home by a significant amount. We work with your CPA and attorney well before a sale, so you walk into negotiations knowing what a good deal looks like for you.
