Financial Planning for the People Who Build Businesses
At Tarascio Financial Planning, we work with one kind of client, and we know them well: the owner-operator. You run a business doing somewhere between $1 million and $30 million a year, you're still in the thick of it every day, and nearly everything you've built, professionally and personally, is tied to how well that business performs.
Your CPA handles the return. Your attorney handles the entity. But no one is looking at the questions that keep you up at night. Is this business earning what it should? Should the next dollar go back into the company or into your pocket? Can you afford that next hire? What would it all be worth if you stepped away tomorrow? That's the work we do, and we do it alongside the advisors you already trust.
Here's where we help:
✔ The Ownership Premium: what your business truly earns you
✔ Owner pay and tax strategy, coordinated with your CPA
✔ Hiring and reinvestment decisions, measured against real benchmarks
✔ Cash reserves for growth and for the unexpected
✔ Retirement plans for you and your team
✔ Business value and exit readiness
✔ Investing, estate, and legacy planning beyond the business
More than anything, we're a thinking partner, someone who sees the business and your personal finances as one picture and helps you make each decision with clarity. We aim to be the advisor you call before a big move, not after: steady, direct, and always in your corner. In the old Italian sense, something like a consigliere, but with spreadsheets.
"A business should serve the life of the person who built it. When you can see what yours actually earns you, every decision gets easier." - Michael Tarascio, CFP®
You've built something real. Now let's make sure it's building something for you, too. The numbers are already there; most owners have simply never had anyone measure them. The sooner we do, the sooner every decision gets clearer.
Owner-Operators
You run a business doing somewhere between $1 million and $30 million a year, and you're still in the thick of it every day. Nearly everything you've built is tied to how well that business performs, yet no one has ever measured what it actually earns you.
That's where we start. Through The Ownership Premium, we measure the return on the money you have tied up in the business, test whether your next hire will pay for itself, and show you where each dollar does the most good: back in the company, in the markets, or in your pocket. You leave with a number, a decision, and the reasoning behind both.
Checklist:
✔ Return on the capital in your business
✔ Hiring and reinvestment decisions, measured against real benchmarks
✔ Owner pay and tax strategy, coordinated with your CPA
✔ Cash reserves for growth and the unexpected
Business Owners Planning What's Next
Maybe you've stepped back from daily operations. Maybe you're thinking about selling, bringing in a partner, or passing the company to your family. Either way, the decisions you make in the next few years will shape your wealth for decades, and they deserve more than a best guess.
We help you understand what your business is worth, how to prepare it for a sale or transition, and how to keep more of the proceeds once it happens. Then we help you build what comes after: a diversified portfolio, a retirement plan, and an estate plan that doesn't depend on one company carrying everything.
✔ Business value and exit readiness
✔ Sale structure planning, alongside your CPA and attorney
✔ Family succession and gifting strategies
✔ Investing, estate, and legacy planning beyond the business
Successful Professionals
You've built a strong career as a physician, attorney, consultant, executive, or partner in a practice. Your income is high, but so are your taxes, and your finances have grown more complicated than any one account or app can handle.
We help you keep more of what you earn and put it to work with purpose. And if you're thinking about going out on your own, buying into a practice, or starting something of your own someday, we help you plan the move before you make it, so you arrive as an owner with a clear head and a solid foundation.
✔ Tax strategy for high earners
✔ Stock options, RSUs, and deferred compensation
✔ Retirement planning, including Backdoor and Mega Backdoor Roth
✔ Planning the move to partnership or ownership