Wealth Management for Business Owners

Comprehensive Wealth Management and New Wealth Planning

Selling or transitioning your business often leads to significant liquidity events. Our team helps you manage this new wealth effectively:

• Investment Management: Developing tax-efficient investment strategies that protect and grow your assets after the sale.
• Philanthropy and Legacy Planning: Structuring philanthropic efforts and legacy plans that align with your values and financial goals.
• Family Governance and Wealth Transfer: Ensuring a smooth transition of wealth to future generations, while creating structures that align with your family's vision and business legacy.

Retirement and Benefits Planning for Business Owners

We understand the importance of securing your future and retaining key employees. Our services include:

• Retirement Planning: Crafting retirement strategies that align with your business exit plan and personal financial goals.
• Employee Benefit Solutions: Reviewing and optimizing retirement, stock incentive plans, nonqualified deferred-compensation plans, and employee retention strategies.
• Wealth Transition Planning: Ensuring that your retirement and exit strategy aligns seamlessly with your personal wealth plan, preserving and growing your assets post-exit.

Succession and Exit Planning

Planning for the next chapter of your business is essential. Whether you plan to sell your business, pass it on to a family member, or transition to a new role, we create a personalized exit strategy that maximizes your financial outcome while ensuring a smooth transition. Our Succession and Exit Planning Services Include:

Business Valuation and Sale Preparation: Evaluating your business’s value and preparing it for sale to optimize the exit process.

Family Succession Planning: Creating strategies for a seamless transfer of ownership within the family, ensuring that legacy and business continuity are maintained.

Exit Strategy Development: Designing a variety of exit options, from full or partial sales to structured buyouts, based on your business goals and market conditions.

Strategic Business Planning

Every business is unique, and our approach to business planning is designed to reflect your specific needs and goals. We focus on:

Ownership, Control, and Liquidity: Assessing your preferences and needs in these critical areas to develop a financial strategy that supports your long-term business vision.

Opportunity Analysis: Identifying key growth areas and potential risks, and crafting strategies that address these aspects proactively.

Tax Optimization: Working with your tax advisors to implement tax-efficient strategies that minimize liabilities and enhance profitability.

Cash Management and Capital Solutions

Managing the financial flow of your business is crucial for its success. We provide customized solutions for:

Accessing Capital: Strategies for securing funds for expansion, acquisitions, or other business growth opportunities.

Cash Flow Optimization: Techniques to manage receivables and payables efficiently, ensuring your business remains liquid and agile.

Business Banking Solutions: Through our partnerships with BMO Private Wealth and BMO Commercial Banking, we offer tailored business banking services, including lines of credit, equipment financing, and more.

Collaborative Approach with BMO Partners

In partnership with BMO Private Wealth and BMO Commercial Banking, we offer tailored financial services for business owners, including:

• Business Acquisition Financing: Options for expanding your business through strategic acquisitions.
• Leasehold and Equipment Financing: Access to capital for equipment purchases and practice expansions.
• Operating Financing: Solutions to optimize cash flow and manage daily business operations. • Real Estate Financing: Supporting real estate acquisitions to grow your business presence.