Business Owners

Business Owners

Running a business gives you freedom — but it also creates financial complexity.

We help business owners turn income into long-term wealth while minimizing taxes and risk.

We help business owners and 1099 professionals align business success with personal wealth.

Services include tax planning coordination, retirement plan design, and investment management.

We work with clients locally and remotely across multiple states.

Key Challenges

• Irregular income and cash flow
• High and unpredictable tax liability
• Choosing the right business structure (LLC, S-Corp)
• Deciding between SEP IRA vs Solo 401(k)
• Balancing reinvestment vs personal wealth

How We Help

We work alongside your CPA to create a coordinated strategy:

• Tax planning and income optimization
• Retirement plan design (Solo 401k, profit sharing)
• Investment management aligned with business cycles
• Exit and succession planning

FAQs

How much should I set aside for taxes as a 1099 earner?
Typically 25–35%, depending on deductions and structure. However, this varies based on state of residence, local taxes, etc. We will help you make a realistic decision.

Should I elect S-Corp status?
Often beneficial at higher income levels — but must be evaluated carefully. We have helped many clients navigate this.

What’s the best retirement plan for self-employed individuals?
A Solo 401(k) often provides the most flexibility and highest contribution limits. Is it for you?

Your business is successful — your financial strategy should be too.
Let’s build a smarter plan.