Business Solutions

You’ve built something meaningful. But as your business grows, so do the decisions around how to structure it, protect it, and use it as a tool for long-term wealth.

We work with business owners to align their business strategy with their personal financial life, so everything is intentional and working together.

Company Retirement Plans

Have you been thinking about starting a retirement plan for yourself or your business?

Or do you already have a plan in place that hasn’t been reviewed in years?

When structured correctly, your company retirement plan can become one of the most powerful tools for building your own wealth while also supporting your team.

We help you determine the right plan based on your goals, cash flow, and long-term vision, whether that’s a 401(k), Safe Harbor plan, Cash Balance plan, or a combination strategy.

As a Certified Plan Fiduciary Advisor (CPFA), we provide fiduciary oversight and ongoing monitoring of investments, fees,

and plan structure to ensure everything remains aligned and competitive.

We handle the details so you don’t have to:

·         Evaluate and recommend the right plan design

·         Shop providers to find competitive pricing and the best fit

·         Ensure integration with your payroll system

·         Coordinate setup and compliance requirements

·         Provide employee education and enrollment support

·         Manage investments and oversee the plan on an ongoing basis

There are also meaningful tax credits currently available that can offset a significant portion of the cost to start or improve a plan. For Oregon-based businesses, programs like OregonSaves are increasing the need to have a plan in place. Creating your own plan allows you to maintain control and design something that truly supports both you and your team.

Tax Strategies

As a business owner, taxes are likely one of your largest expenses—and one of the biggest opportunities to create meaningful impact on your long-term wealth.

Most business owners experience tax planning as reactive. Decisions are made throughout the year, and then everything is handed to a CPA at tax time with the goal of filing accurately. What’s often missing is a coordinated strategy that connects your business activity, personal income, and long-term financial plan.

We approach tax strategy differently.

With an in-house CPA and integrated tax services, we’re able to look at your full financial picture and make proactive decisions throughout the year—not just at filing. This allows us to identify opportunities in real time, adjust as your income evolves, and ensure that your tax strategy is aligned with both your business and personal goals.

Our support spans the full scope of your tax needs:

· Ongoing Tax Planning
We proactively model and evaluate strategies throughout the year, including income timing, deductions, retirement contributions, entity considerations, and investment decisions. This ensures you are not just minimizing taxes this year, but making decisions that reduce your lifetime tax exposure.

· Tax Preparation
With tax preparation handled in-house, we maintain continuity between planning and execution. There is no disconnect between what was discussed and what is ultimately filed, which helps ensure accuracy and follow-through on strategy.

· Bookkeeping & Financial Organization
Clean, organized financials are the foundation of effective tax planning. We support ongoing bookkeeping and financial organization so you have clarity into your business performance and the data needed to make informed decisions throughout the year.

Because everything is coordinated under one roof, we’re able to move more quickly, communicate more clearly, and ensure that nothing falls through the cracks.

This is not just about reducing your tax bill in a single year. It’s about creating a long-term strategy that supports your business growth, improves cash flow, and allows you to keep more of what you’re building over time.

Business Insurance Planning

Risk is one of the few things in your business that you can’t fully control—but you can plan for how it impacts you.

As your business grows, so does your exposure. The right insurance strategy isn’t just about having coverage in place, it’s about ensuring your business can continue to operate and support you, your family, and your team if something unexpected happens.

Many business owners have policies, but they are often fragmented or no longer aligned with the business as it exists today. We take a comprehensive approach to evaluate your risks and design a structure that protects both the business and your personal financial life.

Key areas we support:

· Personal Life Insurance Planning
Your business may be a significant part of your wealth, but your family and long-term plan still depend on your income and financial stability.
We help design life insurance strategies that provide liquidity, protect your family, support debt obligations, and integrate with your broader estate and business planning.

· Disability Insurance for Business Owners
Your ability to generate income is one of your most valuable assets. If something were to happen, it impacts both your personal income and the business itself.
We structure disability coverage that protects your income while also accounting for business overhead and ongoing expenses, helping the business continue operating during a period of transition.

· Business Overhead & Continuity Planning
Fixed expenses don’t stop if you’re unable to work. We evaluate whether additional protection, such as business overhead coverage, is appropriate to help maintain operations and stability.

· Key Person Insurance
If your business depends on you or other key individuals, the loss of that person can create significant financial and operational strain. We design coverage that provides liquidity and stability so you have time to make thoughtful decisions.

· Buy-Sell Agreement Planning & Funding
If you have business partners, a clear and properly funded buy-sell agreement is critical. Without it, unexpected events can create uncertainty around ownership, valuation, and control.
We help structure and fund buy-sell agreements so that in the event of death or disability, there is a defined plan in place, protecting all parties and ensuring continuity.

· Property & Casualty / Commercial Insurance Coordination
We help coordinate your broader business insurance coverage, including general liability, property, and commercial policies, to ensure everything is aligned and there are no gaps or unnecessary overlaps.

· Ongoing Policy Review & Coordination
As your business evolves, your risk exposure changes. We provide ongoing review and coordination to ensure your coverage remains aligned, efficient, and integrated into your broader financial plan.

Key Person & Employee Retention Plan

As your business grows, the people around you become one of your most valuable assets.

But with that comes a different set of questions. How do you retain the individuals who are critical to your success? How do you create long-term incentives without overextending the business? And how do you protect the business if something were to happen to a key member of your team?

We help business owners take a more intentional approach to both protecting and retaining the people who drive the business forward.

Key areas we support:

· Key Person Risk Assessment & Protection
We identify individuals whose absence would have a significant financial or operational impact on the business. From there, we design strategies, often using insurance, to provide liquidity and stability so the business has time to adjust and make thoughtful decisions.

· Executive Bonus & Incentive Strategies
We help structure compensation strategies that reward key employees while aligning with long-term business goals. This can include executive bonus arrangements, often paired with insurance, to create meaningful benefits without adding unnecessary complexity.

· Deferred Compensation Planning
For businesses looking to retain top talent, deferred compensation strategies can be a powerful tool. We design plans that create long-term incentives, encourage retention, and provide flexibility in how and when compensation is delivered.

· Equity Compensation & Stock Option Planning
For businesses offering equity or stock-based compensation, the opportunity can be significant—but so is the complexity.
We help evaluate and coordinate stock options, RSUs, and other equity compensation strategies to ensure they align with both the business’s goals and the individual’s broader financial plan. This includes guidance around timing, tax implications, and how equity fits into overall wealth building.

· Golden Handcuff & Retention Structures
Retaining key employees often comes down to creating incentives that align their long-term interests with the success of the business. We help design structured retention strategies that reward loyalty and performance over time.

· Plan Coordination & Integration
These strategies don’t exist in isolation. We ensure everything is coordinated with your broader business, tax, and financial plan so that it remains efficient, sustainable, and aligned with your long-term goals.

 

Succession Planning

At some point, you will step away from your business. The question is whether that transition is reactive or intentional.

For many business owners, succession planning is something that gets delayed because it feels far off or unclear. But the decisions you make today directly impact the value of your business, the flexibility of your exit, and how smoothly that transition ultimately unfolds.

We help you take a proactive approach so that when the time comes, you have options, clarity, and control.

Key areas we support:

· Exit Strategy Planning
Whether your goal is to sell, transfer ownership, or gradually step back, we help you define what a successful transition looks like and build a plan to get there.

· Business Valuation & Readiness
Understanding the value of your business is a critical starting point. We help you evaluate where you stand today and identify opportunities to strengthen value over time.

· Internal vs. External Transition Planning
We help you evaluate different transition paths, whether that means selling to a third party, transferring ownership to employees or partners, or passing the business to family members.

· Tax-Efficient Exit Strategies
The structure of your exit has a significant impact on what you ultimately keep. We coordinate with your broader tax strategy to help minimize taxes and maximize after-tax proceeds.

· Continuity & Transition Planning
Beyond the transaction itself, we help plan for how the business continues to operate during and after the transition, ensuring stability for employees, clients, and stakeholders.

· Personal Financial Integration
Your business is often one of your largest assets. We ensure your exit strategy is aligned with your personal financial plan, including retirement, income needs, and long-term goals.

We help business owners take a more intentional approach to both protecting and retaining the people who drive the business forward.

Key areas we support:

· Key Person Risk Assessment & Protection
We identify individuals whose absence would have a significant financial or operational impact on the business. From there, we design strategies, often using insurance, to provide liquidity and stability so the business has time to adjust and make thoughtful decisions.

· Executive Bonus & Incentive Strategies
We help structure compensation strategies that reward key employees while aligning with long-term business goals. This can include executive bonus arrangements, often paired with insurance, to create meaningful benefits without adding unnecessary complexity.

· Deferred Compensation Planning
For businesses looking to retain top talent, deferred compensation strategies can be a powerful tool. We design plans that create long-term incentives, encourage retention, and provide flexibility in how and when compensation is delivered.

· Equity Compensation & Stock Option Planning
For businesses offering equity or stock-based compensation, the opportunity can be significant—but so is the complexity.
We help evaluate and coordinate stock options, RSUs, and other equity compensation strategies to ensure they align with both the business’s goals and the individual’s broader financial plan. This includes guidance around timing, tax implications, and how equity fits into overall wealth building.

· Golden Handcuff & Retention Structures
Retaining key employees often comes down to creating incentives that align their long-term interests with the success of the business. We help design structured retention strategies that reward loyalty and performance over time.

· Plan Coordination & Integration
These strategies don’t exist in isolation. We ensure everything is coordinated with your broader business, tax, and financial plan so that it remains efficient, sustainable, and aligned with your long-term goals.