Financial Planning for Small Business Owners
From Solo-Entrepreneurs to Growing Teams
Running a business is more than a job. It’s your largest asset, your primary source of income, and often the foundation of your family’s financial future. Yet most business owners are left to navigate that complexity with fragmented advice—one professional focused on last year’s taxes, another focused on investments, and no one responsible for how it all fits together.
At InSight, we take a different approach.
Our CFP® professionals specialize in working with small business owners—from solopreneurs to firms with 25–50 employees—delivering integrated, transformational financial planning that goes far beyond spreadsheets and tax returns. We help you reduce taxes intentionally, strengthen the business as an asset, and build a financial plan that supports both growth today and flexibility tomorrow.
Your business isn’t just how you earn a living. It’s also your biggest opportunity—and your biggest risk. Our role is to help you bring structure, clarity, and strategy to every moving part, so you can make better decisions now and prepare for a future where you exit on your own terms, not the market’s.
Lowering Taxes—Intentionally, Not Accidentally
Small business owners have more opportunities to reduce taxes than almost anyone—but only when those opportunities are identified early and coordinated intentionally. Without proactive planning, many of the most valuable strategies are missed, decisions are made too late, and taxes become something that simply happen to you. When tax planning is integrated into the broader financial picture, it becomes a powerful tool—freeing up cash, improving flexibility, and supporting both the growth of the business and the life it’s meant to fund.
We go beyond tax preparation to proactive, year-round planning that may include:
Entity structure optimization (LLC, S-Corp, partnerships)
Strategic salary vs. distribution planning
Retirement plan design (Solo 401(k), Safe Harbor 401(k), New Compairability, Cash Balance)
Timing income, expenses, and capital investments (Deferred Compensation Plans)
Coordinating personal and business tax strategies
- Cash and Investment Management
The goal isn’t clever one-off tactics or last-minute maneuvers—it’s building repeatable, well-designed systems that consistently reduce your lifetime tax burden while still supporting the growth, reinvestment, and long-term health of the business.
Planning for the Seen and the Unseen in Every Phase
Running a successful business means managing both the challenges you expect—and the ones you don’t. Cash-flow swings, uneven income, market volatility, and growth pressures are part of everyday life for business owners. However, some of the most consequential risks remain hidden until they become urgent and expensive, including over-reliance on the business for income, key-person risk, succession gaps, or a lack of contingency planning.
Thoughtful financial planning brings those unseen risks into focus. By identifying them early and addressing them deliberately, we help business owners build companies that are resilient, adaptable, and prepared for change—whether that change is planned or unexpected.
When risk is understood, it’s manageable. When it’s ignored, it’s costly.
Exit Planning: Designing the Next Chapter
You don’t need to be thinking about selling tomorrow to benefit from exit planning today. In fact, the most successful exits begin years in advance and are integrated into how the business is grown, maintained, and ultimately transitioned.
At InSight, we view exit planning as a process, not an event—one that prepares you not just for a transaction, but for life after the business.
The Growth Phase: Creating Options
In the early and mid-growth stages, exit planning is about building optionality.
This is where we help business owners:
Build personal wealth alongside business growth
Implement tax-efficient compensation and reinvestment strategies
Reduce dependence on the owner for daily operations
Strengthen financial reporting and cash-flow discipline
The goal is simple: grow a business that is valuable and gives you flexibility.
The Maintenance Phase: Protecting What You’ve Built
As the business matures, the focus shifts from acceleration to durability.
Planning in this phase often includes:
Proactive tax management as profits increase
Addressing concentration risk and liquidity needs
Strengthening succession and continuity plans
Aligning benefits, retirement plans, and incentives with long-term goals
This phase is about preserving value, reducing risk, and ensuring the business can thrive with or without you at the center.
The Exit Phase: Transitioning on Your Terms
When it’s time to step back—whether through a sale, internal succession, or gradual transition—preparation determines outcomes.
We help you:
Understand what your business needs to be worth
Coordinate the exit with personal financial independence
Optimize taxes through timing and structure
Reduce reliance on a single exit outcome
A well-planned exit creates control, not pressure.
Life After the Business
For many entrepreneurs, the hardest question isn’t how to exit—it’s what comes next.
We help you plan for a world where:
Income is no longer tied to day-to-day operations
Wealth must last across full market cycles
Lifestyle, purpose, and flexibility take priority
Taxes, estate planning, and legacy decisions become central
The goal isn’t just a successful business—it’s a successful transition into the next phase of life.