Wealth Planning for Business Owners
Your business.
Your life beyond it.
Business decisions and personal financial decisions affect each other. We help connect retirement savings, investment planning, ownership arrangements, and family priorities.
Schedule a Clarity Review
Connected priorities
Keep the owner’s financial picture in view.
Retirement savings
Evaluate solo 401(k), SEP IRA, SIMPLE IRA, and employee 401(k) options in the context of your business and savings priorities.
Plan investment support
UAA assists with employer investment lineups and ongoing participant advisory services. The engagement defines the advisory and fiduciary responsibilities.
Business & family arrangements
Review corporate bylaws and operating agreements in relation to your estate arrangements, coordinating legal questions with your attorney.
Buy-sell arrangements
Review buy-sell agreements and their funding in relation to the wider plan. Coordinate insurance funding questions with Alliance America where appropriate.
Personal liquidity
Consider cash reserves, major purchases, retirement income, and investments beyond the business when constructing your personal financial plan.
Know who does what
Clear roles help planning move forward.
Advice with defined responsibilities.
UAA provides the agreed investment advisory and financial planning services. Employers remain responsible for retirement-plan administration, testing, and required filings, as applicable, with help from their chosen providers.
Attorneys provide legal advice and draft or amend documents. CPAs provide tax work. Alliance America provides insurance and risk-management assistance. Their fees and any third-party plan costs are separate from UAA’s advisory fee.
Start with your questions
What needs attention now?
You may be continuing to build your business, reviewing retirement savings, or wondering whether ownership and family arrangements still fit. A Clarity Review is a useful place to identify the questions that need further work.
Further reading
Put the decisions in context.
Start with a conversation