Specialty
Business owner wealth planning advisors
Independent advisors on Valora who specialize in business owner wealth planning.
We don't have a business owner wealth planning specialist listed yet, but the advisors below work with clients nationwide and can tell you if this is something they cover.
James Conole, CFP®
Founder · Root Financial
Works with people who are within about ten years of retirement and want a clear plan for getting there.
Kevin Lum, CFP®
Foundry Financial
Host of Retirement Made Simple, focused on making retirement decisions clear and straightforward.
Eric, CFP®
The PeakFP
A CERTIFIED FINANCIAL PLANNER™ professional specializing in retirement income planning.
Even Better Retirement
Retirement planning
“You saved money for a lifetime, now it’s time to have fun.”
Common questions
How is wealth planning different when most of my net worth is my business?
The core problem is concentration: your income, savings, and net worth all depend on one asset. Planning focuses on extracting value tax-efficiently over time, building wealth outside the business, protecting against key-person risk, and having an exit path even if you never use it.
Should I pay myself a salary or take distributions?
For S-corp owners, reasonable compensation is a real IRS requirement, and the salary/distribution split has payroll tax consequences in both directions. The right mix depends on your entity type, profit level, and retirement plan strategy - set it with your CPA annually, not once.
What retirement accounts work best for business owners?
Solo 401(k)s, SEP-IRAs, and cash balance plans allow much larger contributions than employee plans, especially with no or few employees. The best fit depends on headcount, income stability, and how much you want to shelter each year.
How do I separate personal and business finances cleanly?
Separate accounts and cards, a documented salary or draw, clean books, and no personal expenses through the business. Beyond hygiene, it protects liability separation and makes the business sellable - buyers and lenders discount tangled finances.
What insurance does a business owner actually need?
Beyond personal coverage: key-person life and disability insurance, a funded buy-sell agreement if you have partners, and liability coverage matched to your risks. The buy-sell is the one most often drafted and never funded - an unfunded agreement fails exactly when it's needed.
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