Business Owners

For business owners, we help bridge the gap between that operating business and the personal wealth enterprise, while helping navigate the opportunities and challenges that come with a potential sale of a closely-held enterprise.

Owning a business often means wearing multiple financial hats at once: operator, strategist, investor, employer, and family steward.

With personal and business finances deeply intertwined, it can be difficult to find the time or perspective to manage long-term wealth effectively. That’s where we come in. As Personal CFOs, we help business owners simplify and structure their financial lives, giving them the clarity, control, and confidence to make high-impact decisions both inside and outside the business.

How We Help

Harmonize Business and Personal Financial Architecture


We integrate compensation, ownership, and entity structures to ensure the business supports the broader objectives of the family.

Optimize Pre-Liquidity Positioning

When a transition is under consideration, we design forward-looking strategies to manage tax exposure, enhance optionality, and position wealth for transfer or reinvestment.

Strategically Deploy Post-Liquidity Capital

Following a sale or recapitalization, we help redeploy capital with intention, balancing lifestyle needs, legacy planning, and long-term growth.

Fortify Wealth Through Risk and Estate Planning

We identify vulnerabilities across legal, operational, and family structures, so wealth is preserved and protected across generations.

Provide Administrative and Financial Command

We can deliver full-service oversight of cash flow, bill pay, reporting, and coordination with outside advisors — so business owners can operate with clarity and control.

Cultivate Stewardship Within the Next Generation

We work with families to educate and prepare future leaders, promoting responsible decision-making and long-term continuity of values and capital.

The Background

A second-generation family owned a thriving manufacturing company in the Midwest. While the business was successful, the family’s personal finances had grown increasingly complex — spread across trusts, real estate holdings, private investments, and retirement accounts, with no single point of coordination.

The Challenge

The family needed a trusted partner to consolidate their financial picture and manage risk. They were not planning to sell the business, but they recognized that their wealth had become too significant to rely on a fragmented approach to planning and oversight.

Our Approach

As Personal CFO, we brought clarity and leadership to the family’s financial life:

  • Consolidated Reporting: Created a unified financial view spanning the manufacturing business, family trusts, and personal investments, to enable timely, informed decision-making.
  • Tax-Efficient Investment Strategy: Constructed a long-term portfolio designed around liquidity needs and risk tolerance, with a focus on minimizing ongoing tax drag.
  • Advanced Estate Planning: Partnered with estate counsel to implement Grantor Retained Annuity Trusts (GRATs) and other structures that moved future appreciation out of the taxable estate while maintaining control and flexibility.
  • Centralized Administration: Took over management of cash flow and bill pay, which helped eliminate friction and allow for efficient execution.
  • Next-Generation Engagement: Introduced tailored financial education for younger family members, preparing them for responsible stewardship and long-term continuity.

The Result

The family now operates with a clear, centralized understanding of their entire financial picture. They have confidence that key issues are proactively managed, their wealth is preserved, and the next generation is prepared. With our ongoing leadership, they are free to focus on running the business and leading their family with clarity and conviction.

Recent Insights for Business Owners

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What could you achieve with a Personal CFO?

When your financial life is led with structure, clarity, and follow-through, the possibilities expand.

From tax planning and estate coordination to cash flow and next-generation guidance, we help you move from complexity to clarity — so your wealth can support the life and legacy you’re building.

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