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Solutions for
Business Owners
Integrated Wealth, Tax, and Exit Planning for Business Owners & Entrepreneurs. Heirloom Wealth helps founders and business owners plan equity events, build enterprise value, and integrate tax, cash flow, and personal wealth planning.
If most of your net worth lives inside your business or your employer’s equity plan, and you want a plan that integrates that with your family’s long-term goals and taxes, Heirloom is for you.
Business Owners & Entrepreneurs
Solutions for Business Owners
This page is for founders, closely held business owners, and self-employed entrepreneurs who want their personal wealth plan to be as intentional as the company they are building.
Typical clients in this segment:
Employees with significant company equity or stock options approaching an IPO, acquisition, or liquidity event.
Owners of small to mid-sized businesses seeking to build enterprise value, not just income.
Owners deciding whether to sell, transition to family, or gradually step back from day-to-day operations.
Entrepreneurs who need help “professionalizing” books, cash flow, and P&L to make their business more attractive to buyers or successors.
Key Challenges for Business Owners & Entrepreneurs
Key Challenges
1. Concentrated Wealth in One Business or Equity Position
Many entrepreneurs and key employees have a large portion of their net worth tied up in a single business or stock. That concentration can be powerful when things go well—but it also introduces meaningful risk if markets, valuations, or company fortunes change
Key Challenges
2. Complex Exit Timing and Tax Decisions
Planning for an IPO, acquisition, or ownership transition requires decisions years in advance, especially if you want to take advantage of strategies such as QSBS or other tax-efficient structures. Waiting until the deal is imminent can limit options and may result in a higher overall tax bill than necessary, depending on your situation.
Key Challenges
3. Blended Personal and Business Finances
In many small and mid-sized businesses, personal and business expenses are intertwined—cars, travel, or other items running through the business. That may reduce clarity on true profitability and can complicate valuation and saleability.
Key Challenges
4. Enterprise Value vs. Lifestyle Income
Owners often wrestle with the trade-off between maximizing current income and building enterprise value that a buyer would pay for. Without a clear plan, it is easy to underinvest in systems, people, or documentation that would increase the multiple a buyer is willing to offer.
Key Challenges
5. Books, Records, and Deal-Readiness
Clean, credible financial statements and organized records are essential when you bring in a buyer, partner, or lender. Poorly organized books can reduce perceived value, slow due diligence, or even cause a deal to fall through.
Key Challenges
6. The Risk of Never Actually Exiting
A large percentage of small businesses that go to market never successfully sell, often due to valuation gaps, messy financials, or inadequate prep work. Heirloom’s planning process is designed to help owners avoid being in that group by starting earlier and aligning the business with a realistic exit strategy.
Heirloom’s Approach for Business Owners & Entrepreneurs
Heirloom Wealth provides an integrated framework that connects your business planning, personal balance sheet, and tax strategy. The work is highly relationship-driven: the firm spends time understanding you, your company, your family, and your exit objectives before recommending strategies.
The practical benefits clients typically experience include:
1. Clarify Goals and Exit Scenarios
Define what “success” looks like: full sale, partial sale, family transition, or long-term ownership with professional management.
Explore timing windows for potential liquidity events—IPO, strategic buyer, private equity, or internal succession.
Map how each scenario could affect your personal cash flow, risk profile, and long-term financial independence.
2. Equity and Liquidity Event Planning (Employees & Founders)
For employees and founders approaching an IPO or major liquidity event, Heirloom helps:
Analyze stock option grants, vesting, and potential value under different market conditions.
Plan at least a year in advance for key decisions where timing may impact tax treatment and flexibility.
Coordinate with tax professionals to evaluate strategies that could, depending on circumstances, reduce the overall tax impact of a liquidity event.
Integrate post-liquidity investment management so newfound wealth aligns with your risk tolerance and long-term goals.
3. Enterprise Value Assessment & Value-Build Plan
For closely held business owners, Heirloom focuses on both value and transferability:
Help you gain a realistic view of your business’s current value and drivers.
Identify small operational and financial changes that may improve enterprise value—such as stabilizing cash flow, diversifying revenue, or tightening expense tracking.
Encourage separation of personal and business expenses to strengthen reported profitability and improve buyer confidence.
Highlight areas where better documentation, processes, and reporting can make the business more attractive and easier to transition.
4. Deal-Readiness and Buyer Education
Heirloom assists owners as they move closer to an actual transaction by:
Ensuring books and records are clean, organized, and defensible.
Helping you think through the type of buyer that may be the best fit—strategic, financial, family, or key employees.
Educating you on valuation dynamics and the impact of recurring revenue, customer concentration, and margins.
Coordinating with your M&A attorney, CPA, or investment banker so your personal financial plan is aligned with the contemplated deal structure.
5. Integrated Tax and Wealth Planning Around the Business
Throughout the process, tax planning is built into the broader wealth plan:
Evaluate entity structure and compensation strategies in coordination with your tax advisor.
Explore where long-term planning—such as QSBS or other strategies, when available—may reduce future tax burdens if implemented far in advance.
Plan for how sale proceeds will be invested and diversified to support your family’s long-term goals, rather than remaining overly tied to a single company or sector.
All tax-related strategies are considered in collaboration with qualified tax professionals, and their effectiveness depends on individual circumstances. Nothing here is intended as personalized tax advice.
6. Personal Financial Plan That Includes Your Business
Rather than treating the business as an afterthought, Heirloom’s planning treats it as a core asset:
Build a comprehensive financial plan that incorporates your ownership stake, liquidity expectations, and personal spending needs.
Model how different exit values and timelines affect your ability to reach financial independence.
Coordinate insurance, estate, and risk management strategies to help protect both the business and your family.
Relevant Services for Business Owners & Entrepreneurs
Business owners and entrepreneurs benefit most when personal and business planning are coordinated. The following Heirloom services are particularly relevant for this segment:
The practical benefits clients typically experience include:
Investment Management
Designing a portfolio that evolves as you move from concentrated business risk toward diversified liquid assets.
Financial Planning
Building a long-term plan that integrates business equity, retirement goals, and family priorities.
Tax Planning
Working with your tax professionals to structure compensation, equity, and exit proceeds in a tax-aware manner.
Business Succession Planning
Preparing for sale, internal succession, or family transition with a focus on enterprise value and continuity.
Estate & Legacy Planning
Aligning your ownership stake with your estate plan, including how and when family members may be involved.
Insurance & Risk Management
Evaluating coverage to help protect against business and personal risks that could disrupt your plan.
Cash Flow & Debt Management
Clarifying personal and business cash flows, optimizing debt structure, and improving overall financial resilience.
If you are a founder, business owner, or key employee and most of your wealth is tied to a single company or future liquidity event, now is the time to start planning.
Schedule A Strategy Session with Our Team
This initial conversation is designed to understand your goals, current situation, and priorities. You’ll have the opportunity to ask questions, explore how Heirloom’s integrated approach works, and determine whether a longer-term relationship makes sense—without pressure or obligation.
Our Services
A coordinated approach to managing investments, planning, and cash flow, designed to bring clarity and confidence to your financial life today and over time.
Tax strategies integrated with your broader wealth plan, helping inform decisions, improve efficiency, and support long-term outcomes through coordinated planning.
Contact
6400 S Fiddlers Green Circle
Suite 1970
Greenwood Village, CO 80111
3200 Cherry Creek S Dr.
Suite 130
Denver, CO 80209
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The information provided on this website is for general informational purposes only and is believed to be from reliable sources; however, its accuracy or completeness is not guaranteed. This material is not intended to provide tax, legal, or investment advice. Individuals should consult with qualified tax or legal professionals regarding their specific circumstances. Nothing contained herein should be construed as a solicitation or offer to buy or sell any security.
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Investment advisory services are offered through Heirloom Wealth Management LLC, a Registered Investment Adviser.