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Napa Valley Wealth Management - St. Helena, CA

Small & Medium-Sized Business Financial Advisor

Financial solutions for business owners and self-employed: Retirement & succession planning

Solutions to help business owners save money, preserve assets, and successfully exit. 

As a business owner, your financial landscape is complex. You need strategies that help focus your profits now, while building toward your future: the day you retire and leave the business on solid footing. 

It only takes a few hours per year to work toward your goals of reducing your taxes and expenses, preserving your assets, preserve your business’s legacy, and keep you from going back to work during retirement.

Here's how we can help.

Manage Your Business and Personal Taxes Today

While your tax advisor is compiling last year's returns, we analyze your current operations and your previous returns (personal and business). We're looking for proactive changes you can make today to reduce this year's tax liability. We often find substantial tax savings for business owners by optimizing five key areas of your personal and business interests: retirement plans, life insurance, employee-benefit plans, equipment and real estate expenses, and line-by-line examination of personal vs. company expenses.

Protect Your Personal and Business Assets

As a business owner, your chances of being sued are substantially higher than that of a corporate employee. Often small business owners are not adequately covered, especially between their personal and business assets, which leaves them open to litigious attack or to loss through divorce of a grown child. We help identify and cover any gaps between your personal and business assets to protect what you've worked hard to build.

Plan Your Successful Retirement

Thinking of retiring within the next 10 years? Great, now is the time to start planning. Our proactive planning can help work toward your goals of: 1) have a tax-favored income stream set up for your retirement, 2) preserve your business's legacy, and 3) don't have to go back to work. Every year, we see business owners who did not adequately prepare and were forced to return to work or take the business over once again after they retired. We don't want that to happen to you.

Plan for Your Business Succession

Determining the right succession solution for you and your business requires effectively balancing your desires for the future of your company, your retirement needs, and the company’s need for cash today. We perform detailed analyses to help you make the right choice.

This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.