Business & Owner Financial Planning
Your Business Is
Your Greatest Asset.
Plan Accordingly.
SC Advisors delivers integrated financial planning for business owners — combining entity strategy, tax optimization, executive compensation, retirement planning, and exit strategy into a single, cohesive plan built around the full arc of business ownership.
The Business Owner Reality
80%
Of a business owner's net worth is tied up in the business at the time of exit (Exit Planning Institute, 2023) — leaving personal wealth dangerously undiversified.
$0
In dedicated personal retirement savings for the average business owner who relies entirely on a future business sale to fund retirement.
2 in 3
Business owners have no formal exit or succession plan (HSBC/Ipsos, 2024) in place — putting the largest financial event of their lifetime at risk.
SC Advisors addresses each of these gaps — before they become irreversible.
Who We Serve
Built for every stage
and structure of ownership
01
Sole Proprietors & Freelancers
From Schedule C filers to 1099 professionals, we structure self-employment income for maximum tax efficiency and long-term wealth accumulation.
02
Partners & S-Corp Owners
Multi-member LLC and S-Corp owners benefit from specialized strategies around reasonable compensation, basis planning, and pass-through income structuring.
03
Private Practice Owners
Medical, legal, dental, and other professional practice owners face unique intersection of personal and business financial complexity — we specialize here.
04
Founders & Growth Companies
Equity compensation, QSBS planning, dilution strategies, and pre-liquidity wealth planning for founders navigating funding rounds and eventual exits.
Advisory Services
Planning across every dimension of business ownership
Core Service
Integrated Business & Personal Financial Planning
Most advisors plan for you as an employee. We plan for you as an owner — treating your business equity, income, and personal balance sheet as a single integrated financial system. Every strategy we deploy accounts for both sides of the equation.
- Business and personal cash flow modeling
- Owner compensation optimization (salary vs. distribution)
- Balance sheet coordination across business and personal assets
- Key-person insurance and business continuity review
Core Service
Business Exit & Succession Planning
For most owners, the business sale is the largest financial event of their lifetime — and the most underprepared for. We build exit readiness years in advance, ensuring you maximize after-tax proceeds and transition wealth seamlessly to the next chapter.
- Business valuation analysis and tracking
- Deal structure advisory (asset vs. stock sale, earnout design)
- After-tax proceeds modeling and reinvestment planning
- Family succession and buy-sell agreement coordination
Entity Structure & Tax Planning
Sole proprietor, LLC, S-Corp, C-Corp — the right entity structure can save six figures annually. We analyze your situation and design the optimal structure, working alongside your CPA to implement and maintain it.
Business Owner Retirement Plans
Solo 401(k), SEP-IRA, SIMPLE IRA, defined benefit plans, and cash balance plans — we identify which retirement vehicles maximize your deductions and long-term wealth given your income and business structure.
Executive Compensation Planning
For business owners and their key executives, we design compensation structures — including deferred compensation, supplemental executive retirement plans, and equity incentives — that attract talent and minimize tax burden.
Business Asset Protection
Proper entity structuring, umbrella coverage, and asset titling protect personal wealth from business liabilities and litigation — ensuring the value you build inside the business stays protected outside it.
Buy-Sell Agreement Funding
A buy-sell agreement without proper funding is just paper. We review, design, and implement the insurance and investment vehicles that ensure your agreement actually works when a triggering event occurs.
Business Owner Estate Planning
Business interests require specialized estate planning — including family limited partnerships, GRATs, IDGTs, and charitable structures — to transfer business wealth to heirs and causes with minimal estate tax erosion.
The Owner Lifecycle
Financial strategy for
every stage of your business
Ownership evolves. Your financial strategy must evolve with it — from launch through growth, maturity, and ultimately, exit.
01.
Launch & Formation
Entity selection, initial capitalization, owner compensation design, and the right insurance foundation set the stage for tax-efficient growth from day one.
02.
Growth & Scale
As revenue grows, so does tax exposure. We deploy retirement plans, profit-sharing structures, and real estate strategies to shelter income while building personal wealth.
03.
Maturity & Wealth Extraction
Established businesses generate cash. We design systematic wealth extraction strategies — dividends, deferred compensation, ROBS — that move money out tax-efficiently while keeping the business capitalized.
04.
Exit Preparation
Three to five years before a planned exit, we begin the structured process of valuation optimization, tax pre-planning, and personal financial repositioning to maximize proceeds.
05.
Post-Exit & Wealth Transition
The year after a business sale is among the most complex tax years of an owner's life. We manage the reinvestment of proceeds, tax obligations, and the transition to a new financial identity.
"The business that made you wealthy should not be the reason you remain undiversified."
SC Advisors · Business Owner Advisory Practice
$5T
Expected U.S. business transfer value over next decade (McKinsey, 2026)
70-80%
Of business never sell due to poor exit planning (Exit Planning Institute)
30–40%
Of sale proceeds could be lost to taxes without advance planning (Illustrative)
3–5 yrs
Lead time needed for meaningful exit tax optimization
Exit & Succession Planning
A structured path to a successful exit
Exit planning is not a transaction event — it's a multi-year process. We begin building exit readiness long before a deal is on the table.
Exit Readiness Assessment
Formal business valuation, gap analysis between current value and target exit proceeds, and personal financial readiness review to define what a successful exit requires.
Value Enhancement & Tax Pre-Planning
Identify and implement value drivers, clean up the balance sheet, and begin pre-transaction tax strategies — Opportunity Zone investments, installment sale planning, charitable structures.
Deal Preparation
Financial statement normalization, management team transition planning, buyer type analysis (strategic vs. financial buyer), and deal structure modeling to compare after-tax outcomes.
Transaction Advisory
Coordinate alongside your M&A advisor, CPA, and attorney to review deal terms, model tax scenarios, and ensure your financial plan accounts for the full proceeds picture.
Wealth Transition Planning
Reinvestment of proceeds, estimated tax management, retirement income design, and the transition from business equity to a diversified investment portfolio built for the long term.
Exit Options We Plan For
Third-Party Sale
Sale to a strategic acquirer or financial buyer (private equity). Typically achieves the highest valuation but requires the most preparation and due diligence readiness.
Management Buyout (MBO)
Transferring ownership to the existing management team — often funded through seller financing, SBA loans, or private equity partnership. Preserves culture and rewards key leaders.
Family Succession
Passing the business to the next generation requires careful coordination of gifting strategies, estate planning, family governance, and equalization for non-participating heirs.
ESOP (Employee Stock Ownership Plan)
Selling to an ESOP provides significant tax advantages for the selling owner while preserving the company's independence, culture, and workforce stability.
Partial Sale / Recapitalization
Taking chips off the table by selling a minority or majority stake to a private equity partner — providing liquidity while retaining upside through a second exit event.
Tax Strategy
Tax planning built for the business owner's reality
Business owners face some of the most complex tax situations in the U.S. tax code — and the most opportunity to reduce them. We work proactively, not just at year-end.
QBI Deduction Optimization
The 20% pass-through deduction under IRC §199A creates significant savings — but requires careful income management to maximize the benefit across filing thresholds.
Retirement Plan Deductions
Cash balance plans can generate $200,000+ in annual deductions for high-income owners. We design the right combination of qualified plans to maximize tax-deferred savings.
Cost Segregation & Real Assets
For business owners who own real property, cost segregation studies, bonus depreciation, and opportunity zone investing create powerful tax deferral and reduction opportunities.
Capital Gains Management
Installment sales, Opportunity Zone reinvestment, charitable remainder trusts, and timing strategies reduce the capital gains exposure from a business sale significantly.
Entity Comparison
The right entity structure is your single most impactful tax decision.
Retirement Planning
The plans available to business owners are unmatched
While employees max out at $23,500 in a 401(k), business owners can shelter $300,000+ annually through the right combination of qualified plans. We design and implement the optimal plan structure for your situation.
Solo 401(k)
For self-employed individuals with no full-time employees. Allows both employee and employer contributions, plus a Roth option.
Self-EmployedSEP-IRA
Simple to administer, high contribution limits based on net self-employment income. Ideal for high-earners who want simplicity.
Simple SetupDefined Benefit Plan
Actuarially determined contributions that can dramatically exceed 401(k) limits. Best for high-income owners over 45 who want large deductions.
Maximum DeductionCash Balance Plan
Combines defined benefit structure with a defined contribution presentation. Pairs powerfully with a 401(k) for maximum tax-deferred savings.
High-Income OwnersMaximized Contribution Stack
Illustrative only. Contribution limits subject to IRS guidelines, actuarial requirements, and individual circumstances. 2024–2025 limits shown.
Our Engagement
How we build your
business financial plan
01
Business & Personal Discovery
We map your complete financial picture — business structure, income, compensation, benefits, insurance, investments, and estate documents — to identify the full opportunity set.
Week 1–2
02
Strategy Design
Working with your CPA and attorney, we build an integrated strategy addressing entity structure, tax planning, retirement plans, and personal investment management.
Week 3–6
03
Plan Implementation
Retirement plans are established, investment accounts are structured, insurance is reviewed, and entity changes are coordinated with your professional team.
Week 7–12
04
Ongoing Partnership
Annual plan reviews, proactive tax-season coordination, quarterly investment monitoring, and advisory support as your business and life evolve year over year.
Ongoing
Get Started
Your business deserves
a plan as ambitious as you are
Schedule a complimentary consultation with SC Advisors' business advisory team. We'll review your current structure and identify the strategies that will have the greatest impact on your financial outcome — as a business owner and as an individual.