Who we serve
Your business is the biggest line on the balance sheet. Plan like it.
You built something real — and as an owner, you control levers employees never touch: what you pay yourself, when income lands, what the entity is, how the retirement plan is designed, and someday, how the exit happens. Every one of those is a planning decision, and making them well is worth real money. So we plan around the whole picture, with your business treated as the asset it is.
Planning levers
Illustrative. Every owner’s plan is built from the business’s own numbers.
What owner planning covers
The levers, one by one.
What you pay yourself
Salary, draws, and distributions aren’t just payroll mechanics; they’re tax decisions, retirement-contribution decisions, and lending decisions all at once. We make them deliberately, with your CPA in the loop.
Income timing
Owners can often choose when income lands. Used well, that’s one of the most valuable planning tools there is — and it only works if someone is watching the calendar with you.
Retirement plan design
Built around your actual payroll, entity, and cash flow. The right design can change what you keep every single year, and the right answer for a five-person shop is rarely the right answer for a solo operator.
Business cash and personal investing
How much stays in the company, how much comes out, and how the portfolio complements a life where the biggest asset already carries concentrated risk.
The exit
Succession and sale thinking starts years before the event. Whether it’s family, a partner, or a buyer, the earlier the planning starts, the more options you keep.
The safety nets
Key-person coverage, buy-sell agreements funded and current, and estate documents that account for the business, not just the house.
We work with your other professionals
Your CPA stays your CPA.
Owners already have a CPA and often an attorney, and the best planning happens when everyone’s rowing together. We’re the coordination layer — the ones who make sure the tax strategy, the entity, the plan documents, and the portfolio are all telling the same story. Decisions get made with your other professionals, never around them.
What to bring
Start messy. That’s fine.
A useful first conversation needs less than you’d think: your latest business tax return, a rough sense of what you pay yourself, and whatever retirement accounts exist — even if they’re scattered. We’ll tell you what we see, what the levers are, and what order to pull them in. If the honest answer is that you’re already set up well, you’ll hear that too.
Find out what overwatch feels like.
Book thirty minutes, or start the Test Drive. No preparation needed on your end.
Rensselaer, Indiana
212 South Van Rensselaer Street, Rensselaer, IN 47978
Serving Northwest Indiana and clients in 9 states