Business Owner Services
Straight-Talk Financial Planning for Business Owners
Your business is personal — it's tied to your family, your future, and the life you've worked so hard to build. That's why our planning starts with what you personally need to reach your goals, not some cookie-cutter template.
Andy Rao gets what it's like to run a business day in and day out. That hands-on understanding means better advice, fewer surprises, and a plan that actually works for your situation — now and when you're ready to step away.
Built for Business Owners Like You
We know what it takes — the early mornings, the late nights, making payroll, keeping customers happy, fixing problems nobody else can fix. When you're busy running the show, it's tough to step back and think about the big picture. That's where we come in.
Business financial planning means taking a hard look at how your business is performing, finding ways to tighten things up, managing cash flow, staying ahead on taxes, and making sure everything lines up with where you want to end up — including your exit.
We also know that when you're buried in the business, your personal finances can take a back seat. We tie it all together — your business plan and your personal plan — so nothing falls through the cracks.
What You Get Out of This
More money in your pocket through smarter operations
A clearer picture of what's driving your business forward
A tax plan that keeps more of what you earn
Protection against the risks that keep you up at night
A business that's ready to sell or hand off when you are
The right benefits to keep your best people around
Why Work With Us
What Makes Us Different
We Put You First
Your business goals and personal life aren't separate things — we plan for both. Because what's the point of a great exit if it doesn't set you up the way you want?
We've Been in the Trenches
We've worked with business owners across all kinds of industries — from startups to companies ready to sell. We get the real-world challenges because we've seen them up close.
CEPA®-Certified Know-How
Andy's CEPA® credential means he's trained specifically in exit planning — business valuation, tax strategy, estate planning, and all the stuff that matters when it's go time.
We Don't Just Hand You a Binder
We work with you to actually put the plan in motion. Regular check-ins, adjustments as things change — we're in it with you for the long haul.
Our Services
What We Help You With
Business Succession Planning
Figuring out who takes over and how — so your business keeps running strong whether you're handing it to family, a partner, or selling outright.
Exit Planning
Getting you and your business ready for a smooth exit. We help you maximize what it's worth and walk away on your terms.
Business Risk Management
Identifying the risks that could blindside you — key person issues, buy-sell agreements, liability gaps — and putting safeguards in place.
Business Retirement Plans
Setting up retirement plans (401(k), SEP IRA, etc.) that work for you as the owner and help you attract and keep good employees.
Employee Benefit Management
Group health, life, disability, and voluntary benefits — designed and managed to keep your team covered and your costs predictable. Often how we first get to know a business.
Workplace Financial Wellness Education
Onsite and virtual education sessions for your team — retirement readiness, benefits basics, budgeting. A perk that boosts retention and productivity without adding payroll.
Our Process
How It Works
Free Intro Call
We get on the phone and talk about your business — what's going well, what's keeping you up at night, and what you're hoping for down the road. No obligation.
Dig Into the Details
We roll up our sleeves and look at the numbers, your operations, where you stand in the market, and what you want out of all this. Then we build a plan around it.
Get It Done
We put the plan into action together. This isn't a one-and-done thing — we check in regularly and adjust as your business and life evolve.
Ready to Get the Ball Rolling?
Let's have a conversation about where your business is headed and how we can help you get there.
