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Align Your Business Equity with Personal Wealth
Strategic planning for liquidity events, succession, and exit — coordinating business decisions with personal tax exposure, retirement goals, and long-term financial independence.
Business Owner Advisory
Explore our advisory services designed for founders, partners, and practice owners. Select a service below to preview our approach — then visit the full page for a deeper look.
Financial Planning Built for Business Owners
When you own a business, your personal wealth and your company's financial health are deeply intertwined. Decisions about entity structure, compensation, retirement plans, and cash flow directly impact your family's long-term security — and most financial advisors don't know how to plan for both sides of the balance sheet.
BRIM's business owner advisory is designed for founders, partners, and entrepreneurs who need integrated planning that addresses the full picture — your operating business, your personal investments, your tax strategy, your exit timeline, and the wealth you're building through it all.
We don't treat your business as an afterthought. It's the engine of your wealth — and we plan around it, not in spite of it.
What Business Owner Planning Covers
We bring every dimension of your financial life under one coordinated strategy — so decisions about your business, your investments, your taxes, and your family's security are never made in isolation.
Entity & Compensation Design
S-Corp, C-Corp, LLC, partnership — we work with Brian Wendroff to select and structure the right entity for your tax profile, then optimize owner compensation to minimize self-employment and payroll taxes.
Cash Flow & Liquidity Management
Modeling business cash flow alongside personal spending to ensure you're extracting enough for lifestyle and savings — without starving the business of growth capital or emergency reserves.
Retirement Plan Design
Designing employer-sponsored plans — 401(k), SEP IRA, SIMPLE IRA, Cash Balance Plans, or defined benefit plans — that maximize owner contributions, minimize employee costs, and create significant tax-deferred accumulation.
Risk Mitigation & Insurance
Key-person life insurance, buy-sell agreement funding, disability coverage, and liability protection — structured through DPL Financial Partners so you never pay commissions on any policy.
Tax Strategy & Preparation
Proactive tax planning across personal and business returns — including QBI deductions, estimated tax modeling, Roth conversions, loss harvesting, and multi-entity filing coordination with Brian Wendroff, CPA.
Investment & Wealth Building
Managing your personal portfolio through BRIM's proprietary SMA strategies — diversifying your net worth beyond the business and building liquid wealth for financial independence, regardless of exit timing.
How We Build Your Business Owner Plan
Every engagement begins with understanding your business as deeply as we understand your personal finances. The goal is a single, integrated strategy — not two separate plans that don't talk to each other.
Business & Personal Discovery
We audit your complete financial picture — business entity structure, ownership percentages, compensation, distributions, retirement accounts, personal investments, real estate, insurance, and liabilities on both sides of the ledger.
Tax & Entity Optimization
Brian Wendroff reviews your current structure and models alternatives — S-Corp election, reasonable compensation, QBI optimization, multi-entity strategies, and retirement plan contributions — to find the most tax-efficient configuration.
Retirement & Benefits Design
We design or restructure your employer-sponsored retirement plan to maximize owner contributions while keeping employee costs manageable — including Cash Balance Plan analysis for high-income owners who want to shelter more.
Risk & Succession Framework
We build the protective structures — key-person insurance, buy-sell agreements, disability planning, estate integration — and begin mapping your long-term exit or transition strategy with Bobby Feisee, Esq.
Ongoing Coordination & Growth
Your business evolves — and so does the plan. We monitor revenue changes, hiring decisions, tax law updates, and personal milestones to keep everything aligned. Annual reviews with Chris, Brian, and Bobby keep all advisors on the same page.
Building Toward a Transition on Your Terms
Whether your exit is five years away or twenty, planning starts now. We help you understand your options, model the financial outcomes, and structure the transition to maximize after-tax proceeds and personal readiness.
Third-Party Sale
Selling to an outside buyer — whether strategic acquirer, private equity, or individual purchaser. We model after-tax proceeds, negotiate earn-out structures, and plan for the sudden liquidity event so your wealth is deployed intelligently from day one.
Family Transfer
Passing the business to the next generation — through gifting, installment sales, GRATs, or family limited partnerships. Bobby Feisee designs structures that minimize transfer taxes while maintaining control and fairness across family members.
Internal Succession
Transitioning ownership to partners, key employees, or management teams — often through buy-sell agreements, deferred compensation, or ESOPs. We structure the buyout to be tax-efficient for both the departing owner and the incoming team.
Orderly Liquidation
When closing the business is the right path, we plan a controlled wind-down — timing asset sales, managing final distributions, handling outstanding obligations, and converting business value into personal wealth as efficiently as possible.
Structures That Protect and Grow Your Wealth
The right entity structure and tax strategy can save hundreds of thousands of dollars over a business lifecycle. These are the core frameworks we evaluate and implement for every business owner client.
S-Corp Election & Reasonable Compensation
Optimizing the split between salary and distributions to minimize self-employment taxes — one of the highest-impact strategies available to LLC and S-Corp owners, modeled and monitored annually.
Multi-Entity Structuring
Separating real estate, intellectual property, or operating divisions into distinct entities — for asset protection, liability isolation, and tax-efficient profit allocation across the ownership structure.
Cash Balance Plan Design
For high-income owners who have maxed out traditional 401(k) contributions, Cash Balance Plans can allow $100K–$300K+ in additional annual tax-deferred contributions — dramatically accelerating retirement savings.
QBI Deduction Optimization
Maximizing the Section 199A qualified business income deduction through wage and capital thresholds, income phaseout management, and aggregation elections for multi-entity owners.
Succession & Wealth Transfer Trusts
Using GRATs, SLATs, IDGTs, and family limited partnerships to transfer business value at a discount — removing future appreciation from your estate while maintaining operational control.
Buy-Sell & Key-Person Funding
Structuring cross-purchase or entity-redemption buy-sell agreements with properly funded life and disability insurance — ensuring smooth ownership transitions and business continuity in any scenario.
One Team, Integrated Around Your Business
Business owner planning requires advisors who understand both sides of the balance sheet. BRIM coordinates every specialist — so your personal plan and your business strategy are always moving in the same direction.
The Generic Advisor vs. The BRIM Approach
Your Business Deserves a Plan as Ambitious as You Are
Whether you're scaling, optimizing, or planning your exit — we'll build an integrated strategy that treats your business and personal wealth as one coordinated plan.