Financial Planning & Wealth Strategies
for Small Business Owners
Your financial plan should not be separate from your business.
It should be built around it.
Financial Planning With No Direct Client Fee
Financial planning and consultation associated with the financial products offered through this program are provided without a separate planning or consultation fee charged directly to the client.
Compensation associated with the financial products is paid by the applicable financial institution, product provider or underwriter rather than being separately billed to you by ICON.
✓ No separate financial-planning consultation fee.
✓ Financial strategies built specifically around the small business owner.
Financial Planning Built Around Your Business
Small business owners have financial needs fundamentally different from those of traditional employees. Your business may simultaneously represent your income, your largest investment, your retirement strategy and the primary source of financial security for your family.
YOUR BUSINESS + YOUR PERSONAL FINANCIAL FUTURE
That is why our financial planning process begins with both sides of your financial life.
- Business income and cash flow analysis
- Personal income requirements review
- Existing assets and liabilities audit
- Retirement accounts optimization
- Investments and savings alignment
- Insurance and protection needs
- Family financial obligations planning
- Long-term business objectives
- Retirement objectives
- Estate and legacy goals coordination
Retirement Planning for Business Owners
For many entrepreneurs, the business itself gradually becomes the retirement plan. That creates significant concentration risk.
Our goal is to help business owners build financial resources outside the operating business — so retirement does not depend entirely upon eventually selling the company.
Build retirement wealth while you are building your business.
- Retirement needs analysis
- Retirement income planning
- Business-owner retirement strategies
- 401(k) planning
- 401(k) rollover opportunities
- IRA strategies
- Existing retirement account evaluation
- Social Security planning
- Pension considerations
- Investment and savings strategies
- Wealth preservation
- Business transition and retirement considerations
Build Wealth Beyond Your Business
Entrepreneurs frequently reinvest most of their available capital into their companies. That can help build a successful business — but it can also leave a significant portion of the owner’s personal wealth concentrated in a single asset.
The objective is not simply to build a successful company. It is to allow your successful company to help build a financially independent owner.
- Investment planning and strategy
- Wealth accumulation frameworks
- Portfolio construction and rebalancing
- Long-term savings vehicles
- Retirement investments
- IRA strategies
- 401(k) rollover options
- Diversification across asset classes
- Wealth preservation strategies
Protect the Owner. Protect the Family. Protect the Business.
In many small businesses, the owner is the company’s most valuable economic asset. An unexpected death, disability, illness or loss of income can affect the owner, the family and the continued operation of the business.
You’ve worked hard to build your business. The financial plan should also protect what you’ve built.
- Life insurance
- Family income protection
- Financial risk analysis
- Business-owner protection
- Business continuity considerations
- Protection of accumulated assets
- Long-term family financial security
- Wealth protection strategies
Education Planning for the Business Owner's Family
Business owners often have to balance several competing uses for cash:
Business Growth + Retirement + Family + Education
Education planning can help establish a dedicated strategy for future education expenses without losing sight of your other financial priorities.
- College savings strategies
- Education investment accounts
- Future education cost analysis
- Education funding alternatives
- Long-term education savings
- Balancing education funding with retirement and business needs
Your Business May Be Part of Your Legacy
For a business owner, long-term financial planning often involves considerably more than personal savings and investments. It may also involve ownership of the business, family members, business succession, beneficiary planning and the transfer of assets to future generations.
Where legal or specialized tax services are required, the financial strategy can be coordinated with the client’s attorney, tax advisor and other professionals.
- Ownership of the business
- Family members
- Business succession
- Retirement
- Beneficiary planning
- Accumulated investments
- Wealth preservation
- Transfer of assets to future generations
Our financial planning services can help coordinate:
- Business succession considerations
- Wealth transfer strategies
- Beneficiary reviews
- Wealth preservation
- Legacy planning
- Estate-planning coordination
- Asset-protection considerations
One Financial System Built Around the Small Business Owner
This is the central value proposition of the combined platform. Instead of treating accounting, taxes, retirement, investments, insurance and long-term financial planning as unrelated conversations, the goal is to connect them around the person who owns the business.
Build Your Business. Build Your Wealth. Build Your Future.
Contact Our In-House Financial Advisor
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