Integrated Financial Planning for Business Owners & Affluent Families Approaching Retirement

Leave your business on your terms.

Whether you’re transitioning to family, selling to a third party, or exploring a buy-sell agreement, I help you prepare your business and finances for a smooth, tax-efficient exit. Services include:

• Business valuation readiness
• Buy-sell funding with life insurance
• Exit tax mitigation strategies
• Transition planning and family governance
• Legacy considerations for multi-generational businesses

Turn your assets into lasting income.

I help you structure predictable, sustainable income streams using tax-aware distribution strategies, optimized for lifestyle, healthcare needs, and longevity risk.

• Tax-efficient withdrawal sequencing
• Insurance-based retirement income
• Longevity protection strategies
• Roth conversion modeling
• Integration with Social Security and pensions

Insurance that works like a financial engine.

More than just protection, life insurance can be a powerful wealth transfer, liquidity, and business planning tool. I specialize in structuring:

• Estate liquidity plans
• Irrevocable life insurance trusts (ILIT) coordination
• Premium finance strategies (where appropriate)
• Key person and buy-sell protection
• Cash-value insurance for retirement or executive comp

Preserve your wealth. Protect your wishes.

I collaborate with your estate attorney and tax advisor to ensure your plan reflects your values and goals, while reducing unnecessary taxes.

• Wealth transfer strategies
• Estate tax mitigation
• Charitable giving integration
• Multi-generational trust planning
• Coordinated ownership and beneficiary design

Be prepared without burdening loved ones.

Protect your independence and plan for care on your terms—without compromising your financial plan or legacy.

• Traditional and hybrid LTC policies
• Asset-based LTC with death benefit
• Policy reviews and gap assessments
• Medicaid spend-down and protection coordination

Maximize current tax deductions. Build future retirement value.

Especially valuable for successful business owners, I design:

• Defined benefit and cash balance plans
• Owner-focused 401(k) and profit-sharing plans
• Executive carve-out and bonus plans
• Plan coordination with business exit and retirement timing