Four areas of focus. One common thread: every recommendation starts with how your business actually works — not with a portfolio model that ignores it.
Your accountant tells you what you owe. Nobody tells you what you could have done differently. That's the gap.
Most financial advisors build a plan around your investments. I build it around your business — how it generates cash, what you're paying yourself, how your tax situation connects to your company structure, and what needs to happen before you can step back.
Best for: Business owners doing $1M–$20M in revenue who know they're overpaying in taxes, aren't sure what they should be paying themselves, or feel like their financial picture is more complex than their current advisor understands.
A 401(k) isn't just an employee benefit. It's a tax strategy. Most business owners don't know that — and their competitors do.
Under the SECURE Act 2.0, businesses with 50 or fewer employees can claim up to $16,500 in tax credits just for starting a retirement plan. That's before employer contribution credits that can add up to $1,000 per employee per year for five years. A 25-person company could see over $100,000 in total credits.
Meanwhile, retirement benefits rank in the top 3 factors employees consider when choosing where to work. The companies offering a 401(k) aren't just keeping their people — they're pulling yours.
Best for: Companies with 10–50 employees that don't currently offer a retirement plan, or companies with an existing plan that hasn't been reviewed for SECURE Act 2.0 credits.
Exit planning isn't something you do at the end. It's something you do now.
Two-thirds of business owners don't have a documented exit plan. 41% have never done a valuation. And the decisions that determine what your business is worth to a buyer were made 2–5 years before you listed it.
80% of a business owner's net worth is typically tied up in the company — a single, illiquid asset. And only 20–30% of businesses that go to market actually sell. That's not a reason to panic. It's a reason to start now.
Best for: Business owners who plan to sell, transition, or step back within the next 3–10 years and want to start building toward an exit that goes on their terms.
Your financial plan doesn't mean much if a single claim can undo it. Most business owners have coverage — they just don't know if it's the right coverage.
Through my affiliation with Harbor One Insurance, I place commercial insurance for the same business owners I advise financially. That means your coverage decisions and your financial strategy are coming from the same person — not two people who've never talked to each other.
Best for: Business owners who want their insurance reviewed by someone who actually understands their financial picture — not just an agent checking boxes at renewal time.
Most business owners don't need all three services on day one. Start with a conversation. I'll help figure out what matters most right now.
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