For Business Owners
Your Business Built the Wealth. Now Protect and Grow It.
Most of your net worth lives inside your business. Heirloom helps you extract value tax-efficiently, build personal wealth alongside it, and plan an exit that reflects everything you have built.
Key Challenges
Business Ownership Creates Unique Financial Complexity
When your business and personal finances are deeply intertwined, ordinary financial advice leaves critical gaps.
Concentrated Business Risk
Holding most of your net worth in a single illiquid asset — your business — creates a risk profile that demands deliberate diversification and protection strategies.
Succession and Exit Planning
Whether you plan to sell, transfer to family, or transition to key employees, a successful exit requires years of preparation to maximize value and minimize taxes.
Building Personal Wealth
Business owners often reinvest profits rather than building a separate investment portfolio, leaving their personal financial security entirely dependent on one outcome.
Entity and Compensation Structure
The right business entity, owner compensation, and retirement plan structure can dramatically reduce your tax burden — or cost you significantly if done wrong.
Tax Efficiency at Every Stage
Business income, qualified opportunity zones, capital gains on a future sale, and estate transfer taxes each require proactive strategy across multiple years.
Our Process
How We Work With You
Discovery
We map every income source, account, expense, and goal to understand your complete financial picture.
Analysis
We model scenarios across market conditions, tax strategies, and timing to find the optimal path.
Strategy
We deliver a clear, written plan with specific, actionable recommendations.
Ongoing Review
We meet regularly to adjust for life changes, tax law updates, and market conditions. Your plan evolves with you.
Heirloom's Approach
Advice That Bridges Business and Personal Finance
We advise business owners as both entrepreneurs and individuals — coordinating your company structure, personal savings, tax strategy, and eventual exit into one coherent plan.
- Business entity and owner compensation review to optimize tax outcomes
- Personal wealth accumulation strategy alongside the business
- Succession and exit planning tailored to your goals and timeline
- Retirement plan design including SEP-IRA, Solo 401(k), and defined benefit options
- Estate strategy that addresses both business and personal assets
How We Help
Business Succession Planning
Develop a transition strategy that protects your legacy, maximizes sale value, and positions your business for a smooth handoff.
Learn moreTax Planning
Reduce your tax burden at the business and personal level through coordinated, year-round strategy — not just at filing time.
Learn moreRetirement Income Planning
Build the personal retirement security that your business cannot guarantee on its own.
Learn moreIs Your Financial Plan Keeping Pace With Your Business?
Book a free strategy session and we will map out where your business and personal finances connect — and where there are gaps worth closing now.
Book Your Free Strategy Call