Creating strategic alignment between your business and personal wealth
Balancing Your Business Growth and Financial Future Effectively
The way the business is structured, how cash flows through it, and how the owner is compensated all have a direct impact on taxes, liquidity, stability, and long-term wealth creation.
At Avora Wealth, we help owners connect their business finances and personal finances into one coordinated plan. This creates clarity, improves tax outcomes, and helps our clients have peace of mind to focus on their long-term goals. To provide the most accurate guidance, we will work in tandem with your CPA and attorney to confirm the details and strengthen your overall plan.
Entity Structure Review and Tax Implications
Owner Compensation Strategy
Retirement Planning
Risk Management
Lacking a retirement plan
Proper liability protection
Overconcentration Risk
Improper tax planning
Key Risks This Service Helps Prevent
Frequently asked questions
What retirement plan should I use?
We evaluate your income, tax bracket, employee headcount, and goals, then recommend the most efficient plan (Ex: Solo 401(k), SEP, SIMPLE, Safe Harbor, or Cash Balance) with a clear contribution strategy and implementation steps.
What insurance do I actually need?
We identify the financial risks that would cause the most damage in terms of liability, loss of income, death, disability, and business disruption. We discuss proper coverage and remove unnecessary policies to protect you and the business cost effectively.
How much can I safely pay myself, and in what form?
We build a cash flow and tax model to set a sustainable target, maintain reserves, plan for taxes, and structure compensation appropriately. This is vital when considering future borrowing needs or retirement plan contributions. Salary vs draws/distributions can be discussed in coordination with your CPA.
