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Practice Owner Financial Planning
Tailor your financial success with our Practice Owner Financial Planning. Specifically designed for practice owners, we align your personal and professional financial goals.
Business Owner Advisory
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Business Owner Financial Planning
Business Owner Financial Planning focuses on the distinct financial challenges faced by business owners. We offer tailored solutions for investment, risk management, and wealth preservation, ensuring your business and personal finances are strategically aligned.
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Practice Owner Financial Planning
Practice Owner Financial Planning caters to the unique financial needs of practice owners. We provide customized strategies for asset management, growth, and risk mitigation, ensuring your practice's financial health and your personal wealth are optimally balanced.
Financial Planning Tailored to the Pulse of Your Practice.
We work with physicians, attorneys, and dentists who own their practices and need high-level financial guidance. Our planning addresses tax reduction, retirement plan design, practice sale preparation, and converting active income into long-term net worth. Every strategy is built with your practice at the center—and your personal financial independence as the goal.
Balancing Personal and Business Wealth for Practice Owners.
Owning a practice creates specific financial complexity. From irregular cash flow to asset protection, practice equity to retirement transitions, our job is to help you turn clinical income into a scalable financial system—with less tax and more optionality at every stage.
Solo 401(k) Plans
Solo 401(k)s are ideal for practice owners with no full-time employees besides a spouse. They allow high annual contributions—up to $69,000 in 2024 (or $76,500 if over 50)—through both employee deferrals and employer profit sharing. Roth and traditional options available. We handle plan setup, ongoing maintenance, and annual compliance filings (Form 5500-EZ).
SEP IRA Implementation
SEP IRAs offer a simple, low-admin way to make deductible retirement contributions up to 25% of compensation, capped at $69,000 for 2024. These are often used during early growth phases or when hiring is limited. We coordinate SEP design with practice cash flow and tax strategy for efficient deployment.
Cash Balance Pension Plans
For high-income practice owners seeking large tax deductions, cash balance plans allow contributions exceeding $100,000–$300,000+ annually depending on age and income. These plans work alongside 401(k)s to dramatically increase pre-tax retirement savings. We manage actuarial setup, compliance, and annual funding strategy.
Practice Entity & Compensation Structuring
We evaluate whether your current structure (PLLC, S-Corp, PC) is aligned with your financial goals. We optimize salary vs. distributions, apply Section 199A deductions when available, and coordinate with your CPA to ensure you're extracting income tax-efficiently and shielding personal assets from liability.
Asset Protection & Malpractice Risk Planning
High-net-worth professionals require strong legal and insurance frameworks. We advise on asset titling, irrevocable trusts, umbrella and malpractice insurance layering, and state-specific exemptions (e.g. homestead protection). We coordinate these tools to guard against liability while preserving access to capital.
Business Transition & Practice Sale Advisory
We help practice owners prepare for sale, retirement, or internal transition. This includes valuation modeling, buy-in/buy-out structuring, family or associate transitions, and personal financial forecasting post-sale. Our goal is to turn your practice into liquid, usable retirement capital with minimal tax drag.
Securing Practice Foundations, Cultivating Wealth Growth.
Strengthening Financial Roots, Nurturing Practice Prosperity.
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Market Insights
Comprehensive market insights keep you informed. Our experts analyze financial trends and how they affect your investments and financial strategy. We give you a deep understanding of market dynamics to help you make smart decisions.
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Questions? Seeking Further Insight?
Share insights into your current personal and financial status free of charge and with no strings attached. You'll have the chance to interact with a professional in wealth management, providing a space for tailored conversation and responses to all your queries.