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Business Consulting

What We Do

Running your own business requires you to be the expert in your industry which consumes much of your time, energy, and attention. 360 Wealth Planners are here to help you with business planning outside of your everyday industry knowledge. We will help you make a plan that will benefit both you and your company to obtain the highest possible level of success. 

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Succession and
Exit Planning

Our team can be instrumental in helping business owners navigate the complexities of a successful succession plan.
⦁    Succession Planning: Discuss tax-efficient strategies for succession, including selling the business, passing it on to family members or employees, or other options, based on the owner’s goals and circumstances.
⦁    Business Transition Planning: Create a roadmap for transferring ownership smoothly to successors or third parties.
⦁    Valuation Services: We have a strong relationship with an experienced, third-party valuation expert, that provides a certified valuation to aid inplanning for succession. They can also provide ongoing consulting to improve your firms value prior to exit.


Whether through merger or acquisition, employee stock ownership plan (ESOP), or intra-family succession, we will help throughout the process.

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Employee Retirement Plans

Our experienced team can help you determine what retirement plans make sense given the financial goals of you and your employees.
 
We guide business owners through the plan selection, implementation, employee education and investment monitoring.
⦁    401(k) Plans: Design and implement 401(k) plans for business owners and employees.
⦁    Defined Benefit Plans: Establish pension plans, such as cash balance plans, to secure retirement income for business owners.
⦁    Custom Benefit Packages: Develop competitive employee benefits to attract and retain talent. Learn more

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Focus on Your Strengths While
We Handle the Details

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Let us help you manage this responsibility so you can get back to doing what you do best. Knowing how to build or improve a retirement plan to be compliant and retaining top-tier talent is our specialty. Additionally, having a proven process that keeps your plan compliant and competitive is just as, if not more important. Learn about how we can help with the design, maintenance, and compliance of your Retirement Plan.

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Risk Management Strategies 

We have in-house insurance professionals who can provide invaluable assistance with respect to risk management.
 
Our team will conduct a comprehensive insurance coverage review and identify potential vulnerabilities. We can help implement a tailored insurance strategy that addresses risks and aligns with your evolving needs.
⦁    Business Insurance: Evaluate and recommend appropriate insurance coverage to protect business assets.
⦁    Buy/Sell and Key Man Insurance: If something happens to one of the partners or a key employee is their adequate protection for continuity?
⦁    Personal Risk Management: Strategies to safeguard personal wealth against business-related risks.

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Personal Financial and Retirement Planning

We play a pivotal role helping business owners and self-employed people develop a plan to save for a work-optional life and have a successful retirement.

By taking a proactive approach we seek to maximize retirement savings, build an investment strategy customized for your goals, while striving to minimize tax liabilities and establish a Wealth Plan for life during and after your business. This can include Cash Flow Management, Budgeting, & forecasting among other aspects.
 
This includes our team overseeing everything from evaluating your current financial situation and creating tax-efficient retirement savings to helping navigate important decisions around Social Security, Medicare, etc. 

 

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Treasury and Excess Reserves Investment Management

It’s common that a portion of a business owner’s wealth is tied to their business.

 
⦁    Treasury and Excess Reserve Management: When your business has excess cash, we can help manage this, whether through a conservative portfolio or something more geared to growth.
⦁    Investment Strategies: We can help manage this balance to build an investment strategy to diversify your portfolio while seeking to preserve wealth during and after the succession process.
⦁    Securities Backed Line of Credit: A strategic option for planning is using your invested portfolio to open a line of credit, allowing for easy access to liquidity without sacrificing growth of your portfolio
 
Our Investment Committee has over 50 years of combined experience and proactively manages the portfolio management on behalf of clients.

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Estate Planning

We work in conjunction with estate planning attorneys to ensure that wills, trusts, and other estate planning documents align with your financial aspirations and are focused on what you care about most.
 
Estate planning is typically one of the areas our clients are most concerned about as they want to leave a positive legacy and protect their families.

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Charitable Giving

We serve business owner’s charitable giving aspirations by creating and implementing tax-efficient gifting that aligns with their personal values.
 
With our expertise, we can utilize charitable vehicles such as donor-advised funds or foundations, or identify highly appreciated securities to help support causes you care about incorporated in your Wealth Plan.
⦁    Charitable Giving Strategies: Guidance on establishing philanthropic goals and executing effective giving strategies.
⦁    Donor-Advised Funds: Facilitate the setup of donor-advised funds for streamlined charitable contributions.

Let’s discuss how we can help you achieve YOUR financial goals

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At 360 Wealth Planners, we understand that every financial journey is unique. Whether you’re looking to build wealth, plan for retirement, or navigate complex investment strategies, our team is here to provide personalized guidance tailored to your needs.

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