Business-owner planning is delivered through our sister firm LUCA Financial — the CPAs and business advisors we work with in-house. Together, we plan the business and the household as one system, so every entity decision, tax election, and exit strategy is coordinated with your wealth plan.
S-corp vs. partnership vs. C-corp, reasonable comp, owner draws, and how each dollar moves from the business to your household — modeled, not guessed.
QBI, bonus depreciation, cost segregation, and retirement plan contributions coordinated across the business return and your 1040 over a rolling three-to-five-year window.
Solo 401(k), SEP, defined benefit, and cash balance plans sized to your income and your team — with contributions that actually match how much you want to defer.
Key-person coverage, buy-sell funding, disability and health strategy for the owner household — separated cleanly from the group plan.
Buy-sell agreements, family transitions, and management succession structured before an unplanned event forces the decision.
Value drivers, deal structure (asset vs. stock, earnouts, rollover equity), and the post-close tax and investment plan — designed years before you sign an LOI.
LUCA Financial is our in-house team of CPAs and business advisors. If you own a closely-held business, start there — they'll bring us in for the wealth, retirement, and personal tax coordination when it's time.