Business Planning
401(k)s, buy/sell agreements, executive benefits—solutions for owners and key employees.
Specific topics covered
401(k) & Simple IRA Plans
Retirement plans for small and mid-size businesses—designed to be useful, not just compliant.
Profit Sharing
Flexible employer contributions inside a qualified retirement plan—useful for rewarding key people and deferring tax.
Buy/Sell Agreements
A funded plan for what happens to a partner's share if they die, become disabled, or want out.
Key Person Insurance
Protect the business against the financial impact of losing a person who can't easily be replaced.
Executive Bonus Plans (162)
A simple, flexible way to provide deferred-comp-like benefits to key employees outside of qualified plans.
Business Succession Planning
The multi-year process of preparing a business—and its owner—for an eventual transition.
Your business is your biggest asset. Plan it that way.
Most business owners are too busy running the company to plan around it. But the business is usually the single biggest piece of net worth—and the part that’s hardest to convert into retirement income, family security, or a clean exit.
Areas I help business owners with
- Retirement plans — 401(k), Simple IRA, profit-sharing, defined benefit. Right plan, right cost, right participation.
- Buy/sell agreements — what happens to your share if a partner dies, becomes disabled, or wants out. Cross-purchase, entity purchase, wait-and-see—each has tax and funding tradeoffs.
- Key person insurance — protecting the company against the loss of a person whose absence would meaningfully hurt the business.
- Executive benefits — 162 bonus plans, deferred compensation, and other ways to attract and retain the people you can’t afford to lose.
- Succession planning — internal transition, sale to a third party, family transfer. Each requires different prep, often years in advance.
Coordinated with your personal plan
Your business decisions and your personal financial decisions touch each other constantly—how you take income, what you defer, how the business is structured, how it’s eventually monetized. We plan them together.
Have questions about business planning?
A 30-minute call to talk through your situation—no pitch, no obligation.