Business Consulting
Business consulting from a financial advisor can help owners evaluate financial considerations related to company structure, succession planning, executive compensation, and long-term business planning that ties their firm to their own goals. At Confluence Financial Partners, we work to bring clarity and intention to the decisions that shape both a company’s future and the owner’s life outside it.
why business consulting
The financial decisions you make for your business may carry more weight than you think
Business owners rarely have the luxury of deciding slowly, and the cost of a poorly informed choice is real. Whether navigating a buyout conversation, weighing an ownership transition, or planning an eventual exit on your own terms, the complexity is often significant.
What working with a financial advisor can mean for your business
Business owners face complex decisions involving taxes, ownership transitions, and long-term planning. Coordinating these areas can help identify planning opportunities and address potential risks before they become more significant. We can help identify and evaluate business, financial, and succession-planning risks as part of your broader planning process.
How we approach business consulting
Because your business choices do not exist in isolation from your wealth plan, we coordinate the company and the household and work to connect the two. We aim to sit at the table rather than on the sideline, serving as your advocate in conversations with accountants, attorneys, and business brokers.
We evaluate the financial implications of decisions involving ownership structure, compensation design, and succession planning. We also treat succession as a plan rather than an afterthought, and because ownership transitions are planned events rather than reactions, we can help owners think through them years in advance.
our process
What working with our team looks like.
Business financial review
We start by understanding your current ownership setup, compensation, and the way the company relates to your household plan.
Goal alignment
We work to clarify what you want from the company in the near, medium, and long term.
Strategic analysis
We weigh the key choices, succession options, compensation, and benefit design against your plan.
Advisor coordination
We work alongside your attorney and CPA to help keep everyone aligned.
Ongoing relationship
As the company and your goals evolve, we aim to adjust course accordingly.
meet the team
Connect with a Wealth Manager
Our wealth managers are here to help guide the business consulting conversation.
Zachery Saunders AAMS®, CEPA®, CFP®, Ed.D.
Wealth Manager
Melissa Pirosko CFP®, MBA
Wealth Manager
Nathan Garcia CFP®, MBA
Wealth Manager
Samantha Sheetz CFP®, CDFA®, WFA
Wealth Manager
Dave Cashdollar CFP®
Wealth Manager
Brandon Corlett
Wealth Manager
Jackson Elizondo CFP®, CAP®
Wealth Manager
Loren Paul Fiffik CFP®
Wealth Manager
Paul Frey CFP®, CIMA®
Wealth Manager
Randy Holcombe CFP®
Wealth Manager
Jonathan Jordan
Wealth Manager
Sophia Kann CFP®
Wealth Manager
Kurt Kimmich AAMS®
Wealth Manager
Matt Kimmich CFP®
Wealth Manager
Chuck Kolias
Wealth Manager
Morgan Lee CFP®
Wealth Manager
Katie Montagazzi CFP®
Wealth Manager
Eric Montgomery CFP®
Wealth Manager
Jared Nicholson
Wealth Manager
Nick Proud CFP®
Wealth Manager
Brian Ripley
Wealth Manager
Scott Rogowicz
Wealth Manager
Neil Rongaus CFP®
Wealth Manager
Joe Tabaka CFP®
Wealth Manager
Mike Touscany CFP®
Wealth Manager
RJ Wingertsahn
Wealth Manager
Chuck Ziants CFP®
Wealth Manager
Brandon Beck
Wealth Manager
Tim Cashdollar CRC®
Wealth Manager
Is business consulting right for you?
You may benefit from working with our team on business consulting if:
- You own a company and are beginning to think about how you will eventually step away from it
- You are weighing a buyout offer or a partnership change and want an advisor’s perspective on the terms
- You would like to better understand how your current business structure may affect your tax, estate, and financial planning considerations
- You have business income that is not yet coordinated with your investment or retirement strategy
- You want to design an executive compensation or benefit plan for yourself or key employees
Request your Consultation
Complete the form below. A member of our team will reach out within one business day to schedule your complimentary 30-minute call.
FAQ
Frequently Asked Questions
What does business financial consulting include?
Business financial consulting often includes support for choices about financial planning considerations related to ownership structure, succession planning, executive compensation, buy-sell agreements, and business transition planning. It also covers coordinating those business decisions with your household wealth plan. The specific scope typically depends on your situation and priorities.
When should a business owner work with a financial advisor?
Our team often adds the most value to a business at inflection points, which tend to include weighing a transaction, facing a partnership change, planning a succession, or realizing that your business and household plans have fallen out of alignment. Beginning the planning process early can provide more time to evaluate options and make informed decisions.
How does business consulting connect to my personal financial plan?
Your business decisions, including the way you pay yourself, how you hold ownership, and when you plan your exit, carry direct consequences for your personal wealth, retirement, and estate plan. We work to keep both in view together rather than in separate conversations.
Can a financial advisor help me plan my business succession?
Yes, and succession can be one of the most significant decisions a business owner makes, since it typically involves tax considerations, estate planning, valuation, and negotiation. We can help you evaluate these alternatives within the context of your personal and financial goals.
What is the difference between a business financial advisor and a business accountant?
An accountant generally focuses on tax compliance, reporting, and historical data. A business financial advisor takes a forward-looking view, working to weigh decisions in the context of your goals, your company's long-term trajectory, and your plans for eventual transition.
Ready to Take the First Step?
Schedule your complimentary consultation today.