Business Owners

You built the business. We help you make the most of it.

Owning a business can change the financial math in your favor, if you plan well. Much of this work is done alongside the CPA and attorney you already rely on.

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Tax Shelter Strategies
Retirement Plan Consulting
Liquidity Planning
Insurance
Tax Shelter Strategies

Shelter more of
what you earn.

Owning a business gives you something a salaried employee never gets: the ability to shelter far more of your income from federal tax. Done well, it does two jobs at once. You save more for yourself, and you create benefits that help you reward and keep the people you depend on.

The tools we
use most
401(k), profit sharing, and cash balance plans, with SIMPLE and SEP IRAs where they fit.
Built with your tax professional
We coordinate with your CPA so the strategy, including Section 199A optimization, lines up with everything else on your return.
Retirement Plan Consulting

Are you overpaying
for your plan?

A retirement plan is one of the most effective tax shelters an owner has. It is also one of the easiest to outgrow. Most owners are paying more than they should for a plan they set up years ago and have not revisited since. We help you find out.

The question
every owner
should ask
Am I overpaying? Every few years we run your plan against the market, the way a careful buyer would, to confirm the fees are in line and the plan still serves the people in it.
Meeting your responsibilities
We help you meet the legal responsibilities you hold as the plan’s trustee.
Liquidity Planning

Start years
before the sale.

For many owners, the business is the retirement plan. One day it becomes cash, and that day changes everything, the tax bill most of all. We start years before the sale, not after. We help you understand what the business is worth, prepare for the exit, and then handle the proceeds with discipline, so a once-in-a-lifetime event is not met with a fast decision. We work alongside your tax and legal team the whole way through.

Insurance

Protect the business
and the people in it.

For an owner, insurance is less about the everyday and more about protecting the business and the people who run it.

Buy-sell
If a co-owner dies, a funded agreement lets you buy out their family cleanly, rather than inheriting a partner who was never meant to be one.
Key person
If someone the business depends on is suddenly gone, coverage gives the company room to absorb the loss.
Disability
Your ability to earn is your largest asset. If illness or injury takes it, the right coverage keeps the plan – and the family – intact.
And more
The right mix depends on the business, so there is usually work beyond this list.
IMPORTANT DISCLOSURES

While we are familiar with the tax provisions of the issues presented herein, as Financial Advisors we are not qualified to render advice on tax or legal matters. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.

Raymond James and its advisors do not provide business valuation services.

These policies have exclusions and/or limitations. The cost and availability of life insurance depend on factors such as age, health and the type and amount of insurance purchased. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition if a policy is surrendered prematurely, there may be surrender charges and income tax implications. Guarantees are based on the claims paying ability of the insurance company.

Getting started

Talk to an advisor.

Start with a conversation about where you are and what you want your money to do.

Start with a conversation