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Business Owners

Financial Planning for Business Owners in Transition

We do our best work in transitional spaces

It takes careful and specialized planning to meet your financial goals as a business owner.  How you manage and grow the value of your business, structure taxes, and handle cash flow all play a major role in your financial success.  We help business owners optimize their wealth through transitions, whether it be a sale and exit, structured retirement, or purchase.

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HOW WE CAN HELP

Financial Planning for Business owners in Transition

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Strategically Manage Wealth

Your wealth is a puzzle that’s unique to you. We help you arrange the pieces properly, to propel you toward long-term financial success.

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Optimize Income

We help business owners determine the strategy, the timing, and the numbers when it comes to paying themselves, and supporting their business and personal needs — all with tax efficiency in mind.

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Reduce Taxes

Like it or not, we’re all business partners with federal and local governments. We help to minimize your tax burden as much as legally possible.

WHAT YOU GET

Full Service Financial Planning

We help our clients optimize their wealth by reviewing & advising on the gamut of financial topics.
If there’s a dollar sign in front of it, it’s something we’ll probably want to take a look at it.
This comprehensive focus helps ensure that no opportunities to build wealth or reduce risk go overlooked. 

 

Financial Planning

Financial planning is a process that aligns your resources with your values and objectives.  What you personally need from your resources to feel happy and content likely includes a range of variables that makes it just a little bit different than anyone else on the planet.  We can help you explore what that means, what that looks like, and then put the financial pieces of the puzzle together in an actionable plan.  At that point your finances are optimized, aligned, and can help propel you toward wherever it is you want to go.

Investment Management

To deliver the best possible investment outcome we employ a consistent philosophy based on empirical evidence and academic research.  We do not experiment.  We do not invest based on conjecture or gut feeling.  We build custom portfolios based on your unique needs and financial plan, and, if appropriate or important to you, we can include socially responsible or sustainably focused strategies as well. 

Retirement & Estate Planning

Knowing when you can retire and exactly how much you might need saved can be daunting questions…and they’re not the only challenges.  Determining how you’ll obtain healthcare, how and when to draw from your accounts, and how to structure assets within your estate can become a complex exercise.  We can help you devise a plan that gives you peace of mind, optimizes your assets, and sets you and your family up for sustained financial success.

Business Exit & Transition Planning

You may have heard that over 80% of businesses never sell — and of the 20% that do, the vast majority sell for less than what the owner thought the business was worth.  Our practice is built to help business owners align their business with their personal finances and lifestyle objectives.  We can help you prepare to sell your business and confirm that what you keep after taxes will be enough to support your post-transition lifestyle.

Tax Planning

Everyone needs to pay their fair share in taxes.  But you probably don’t want to leave a tip.  Our team can work to help you minimize your tax burden over time.  Whether it be via strategic Roth IRA conversions, deferred sales trusts, or harvesting tax losses (or even gains), we can help you optimize your taxes for the long-term.

Cash Management

Ever wonder how large your rainy day fund should be?  What about how and when should you be paying yourself from your business?  Or how quarterly estimated tax payments come into play?  Our team can help you build a repeatable framework for managing cash in your business (as well as your household) that supports your immediate and longer term needs.

Retirement Plan Management

401(k) plans, SEP-IRAs, and SIMPLE IRAs are low hanging fruit when it comes to saving for retirement and deferring taxable income.  But retirement plans have their nuances and unique responsibilities when you offer one.  Our team can help you design and operate a retirement plan that fits your business objectives, helps you and your employees save for the future, and provides substantial tax advantages.

SCHEDULE A FREE INTRODUCTORY MEETING

Let’s Strategize

The best time to plant a tree was 20 years ago.  The second best time is right now.
Get started by booking a 30-minute introductory call.

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Featured Success Stories

From Burning Out to Chilling Out
Minimizing Taxes in Retirement
Using Equity Comp to Launch Into Entrepreneurship
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From Burning Out to Chilling Out

Amanda had built her successful veterinary practice from the ground up. It was hard, but she grew the practice to a staff of eight with enough cash flow to afford a very nice lifestyle. But the years had worn on Amanda. Stressors from the business started to layer on top of one another, and she soon realized she was losing the passion she had when she started the business two decades before. As the stress began to impact her health, she knew she needed a change, but didn’t know where to start.

Case studies are based on hypothetical situations, not on actual client interactions. The outcomes presented are not a promise or guarantee of similar results as actual client experiences will be unique to each clients' circumstances, as well as their own motivations, effort and discipline.

Read more

Senior Backpackers
Minimizing Taxes in Retirement

Ray was a partner in a successful real estate firm and was approaching the retirement date specified in his buy/sell agreement.  Ray was confident he had plenty of resources to fund a comfortable retirement, but he was very concerned about taxation.  He’d accumulated substantial savings in the company 401(k) plan and would trigger income streams from deferred compensation and deferred sales payments once he left.  Ray and his wife Charlotte needed help reducing the tax bite, both now and in the future.

Case studies are based on hypothetical situations, not on actual client interactions. The outcomes presented are not a promise or guarantee of similar results as actual client experiences will be unique to each clients' circumstances, as well as their own motivations, effort and discipline.

Read more

Working man with a workstation
Using Equity Comp to Launch into Entrepreneurship

Mike had been the director of a major, publicly traded company for the last ten years.  Throughout his career he’d been paid in company stock in addition to a cash salary.  It was time for a change, and he’d always wanted to run a small business.  Rather than launch one from the ground up, he wanted to use the equity compensation he’d accumulated to purchase an existing business.  He had a substantial mix of restricted stock units, incentive stock options and non-statutory options.  While he had substantial resources, he had no idea how to minimize taxation while maximizing the benefit of the shares —nor did he know how best to structure the purchase of the business he wanted to pursue.

Case studies are based on hypothetical situations, not on actual client interactions. The outcomes presented are not a promise or guarantee of similar results as actual client experiences will be unique to each clients' circumstances, as well as their own motivations, effort and discipline.

Read more

RESOURCES

Financial planning insights, guides, and articles

The Small Business Guide to Cash Management
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Four Easy Ways for Business Owners to Save Money on Taxes
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The 5 Step Retirement Income Plan
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Sacramento
2377 Gold Meadow Way
Gold River, CA 95670
(916) 318 4849

Portland
5200 Meadows Road
Lake Oswego, OR 97035
(503) 726 1071

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Three Oaks Capital Management, LLC DBA Three Oaks Wealth is a Registered Investment Adviser in the states of Oregon and California. The information on this website is intended only for United States residents, and is for informational use only. It is not intended to be personalized. Prior to any advisory work conducted outside these states, Three Oaks Wealth would become registered in that jurisdiction or qualify for an exemption or exclusion to registration.

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