Why Business Owner Wealth Management is Different
Small Business Financial Planning & Business Owner Financial Planning
Business owners manage both personal wealth and business ownership, often with personal assets tied directly to the business. Small business financial planning ensures that your business objectives align with your personal goals and overall financial future. A solid wealth management for business owners plan brings clarity to both.
Irregular Income, Cash Flow Cycles & Personal Financial Integration
Income can fluctuate dramatically for small business owners. That’s why advising business owners on cash flow and budgeting is essential. By integrating your business and personal financial life, we help you stay on track for retirement readiness and other key milestones.
Business Planning, Tax Optimization & Advisory Collaboration
From entity structuring to retirement plans, your tax situation demands strategic thinking. Our private wealth advisor team works closely with legal advisors, CPAs, and your deal team to uncover tax optimization opportunities and strengthen your broader wealth plan.
Business Succession, Exit Planning & Informed Decisions
Whether selling to a strategic buyer or transferring ownership to family members or other business owners, succession takes time. We help ensure your retirement plan and exit strategy support both your financial future and the long-term success of your business.
Core Wealth Management Services Business Owners Need
Personalized Financial Goals & Personal Wealth Management
Real financial planning goes beyond spreadsheets. We help you define and prioritize life goals, retirement, education, philanthropy, and create a cohesive roadmap. As entrepreneurs, your business success fuels your personal wealth; our job is to interweave both for a purpose-driven financial future.
Investment Management Strategies & Investment Portfolio Design
Many business owners have concentrated ownership in their own enterprise. We help tailor an investment portfolio that balances growth with risk mitigation, diversifying your personal wealth across asset classes, commons stock, private credit, and alternatives suited to your business lifecycle.
Advanced Tax Strategy
Effective tax planning for business owners encompasses more than annual filings. Our proactive approach includes tax-deferred strategies, capital gains minimization, retirement vehicles (SEP IRAs, defined benefit plans), and strategic timing around exit opportunities with potential buyers to maximize tax-efficiency.
Estate and Succession Planning
A business-free estate plan leaves a critical gap. Our tailored process includes buy-sell agreements, valuation models, trust structures, and intergenerational planning. We coordinate with legal advisors, CPAs, and valuation experts to protect your vision, your tax position, and your legacy.
Business Exit or Liquidity Event
Why Start Exit Planning 3–5 Years in Advance
A liquidity event isn’t just about selling, it’s about timing, tax efficiency and the business thriving post-exit. With early planning we can optimize your financials, governance and performance to attract strategic buyers or other business owners.
Valuation and Due Diligence Readiness
To attract the right strategic buyer or private equity interest your business must be “due diligence ready”. We help gather clean financials, scalable operations and legal clarity so your deal team can negotiate with confidence.
Managing the Proceeds & Post-Exit Investment
Post-exit income replacement and wealth distribution become key. We design a diversified investment portfolio for personal assets and business proceeds, balancing growth, tax and risk to secure your long term lifestyle.
Case Study Example
A client sold their manufacturing company for $18m. With Towerpoint Wealth’s help they started advanced gifting, deferred compensation and strategic asset allocation 3 years prior, saving over $1.2m in taxes and being retirement ready.
Business and Personal Finances on One Platform
Aggregated Dashboards for Total Visibility
You should see your business performance, personal wealth, liabilities, and goals in one place. We integrate top-tier financial tools into your platform, offering peace of mind, clearer insights, and more informed decisions.
AI and Automation in Planning
As your personal financial advisor, we use AI and automation not to replace human counsel, but to enhance it. From real‑time cash flow tracking to tax-loss harvesting, our tech stack ensures efficient monitoring so you can focus on growing your business.
Simplifying Back Office Complexity
Running a business brings operational friction, payroll, accounting, estate coordination, investment oversight. We streamline these processes by aligning systems and working with your legal advisors, ensuring seamless integration of your business and personal financial life.
Investment Strategies for Business Owners
Private Equity, Private Credit & Alternative Investing
Most entrepreneurs prefer investments outside the public markets. Our private wealth advisor team connects you with exclusive private credit and private equity opportunities, vetted and matched to your risk tolerance and business goals.
Diversification Vs Concentration Risk
Too much concentration in one asset, your business, increases risk. We structure a diversified investment portfolio to reduce concentration risk, protect personal assets and build long term personal wealth.
Risk Management with Insurance & Asset Protection
Protecting your legacy requires multiple layers of protection. We work with insurance professionals and lawyers to layer insurance, legal structures and wealth shields, so your personal and business assets are safe.
Fiduciary Advisory Relationship
Fee Disclosure & Fiduciary Duty
Business owners like directness and simplicity. As your fiduciary advisor we offer full fee disclosure, unbiased advice and we act in your best interest – no hidden agendas or commissions.
Working with Legal and Tax Professionals
Your financial life should be run like a business – with strong partnerships. We work with your legal advisors, CPAs and your deal team to align all aspects of your tax, estate and business planning.
Multi-Generational Wealth Transfer
Preserving wealth is just the beginning – effective wealth transfer creates lasting impact. We design educational programs for heirs, trust strategies and ongoing support so your legacy empowers family members across generations.
Choosing the Right Wealth Management Partner
What to Look for in an Advisor for Business Owners
You need advisors who bring business expertise, industry insight, and strategic vision, professionals who have guided other business owners through similar challenges. Look for a partner offering holistic service and a proactive mindset.
The Towerpoint Wealth Difference
At Towerpoint Wealth, we’ve supported entrepreneurs, executives, and family-run enterprises through each phase: starting up, scaling, planning an exit, and preserving generational wealth. Our integrated team model combines investment strategy, tax optimization, estate planning, and exit execution, all delivered with clarity, integrity, and expert guidance.
Frequently Asked Wealth Management for Business Owners Questions
What’s the difference between a financial advisor and a wealth manager for business owners?
A financial advisor often handles basic investments, while a private wealth advisor delivers holistic, fiduciary-driven guidance, covering tax, estate, retirement, business expertise, and small business financial planning.
When should I start planning for a business exit?
Start at least three to five years before you plan to exit. Early planning around your financial statements, tax situation, and operational readiness supports better valuations and a smoother transition.
How do I balance reinvesting in my company with saving personally?
Through tailored personal wealth management, we help allocate resources across business growth, investment portfolio diversification, retirement readiness, and risk tolerance, so you can grow without compromising financial stability.
Can I use business income to fund my retirement more efficiently?
Absolutely. Vehicles like SEP IRAs, defined benefit plans, and deferred compensation help turn business income into retirement assets, while offering meaningful tax optimization.
What happens to my business in my estate plan?
Depending on your objectives, your business may pass to family members, be sold to a strategic buyer, merged with other small businesses, or dissolved. We ensure your plan aligns with your financial future and family values.
Business Financial Planning
At Towerpoint Wealth we view business financial planning as a personal relationship. As a member FDIC-aligned fiduciary firm we combine small business financial planning, personal wealth management and expert guidance – we champion your goals at every stage of business ownership. We work with you, your legal advisors, CPAs and other business owners to create a plan that aligns your business and personal assets for maximum impact.
From tax optimization and investment portfolio design to retirement readiness and succession planning our customized approach supports your growth and legacy. We help you take advantage of every opportunity – so your business fuels your financial future, supports your family and solidifies your place among other business owners who have worked with us.
Let’s get started with a confidential conversation about your future. Contact us today and see how our expertise, strategy and heart can get you to a better tomorrow.
