Give Your Business
and Your Life
A Financial Advisor
You started your business
by borrowing against your credit card…Which seems like a long
time ago now that your children have moved out…and your
mother-in-law has moved in…Which prompts you to cash in on
some of your stock investments to purchase a vacation home…
Which becomes collateral...
From the start, your company and your
personal wealth were intertwined.
And they will continue to be throughout the life of your business.
That’s why it’s essential to have one advisor who sees the whole picture.
Someone who understands how decisions made in one piece of your
wealth puzzle can improve, or diminish, another. Someone who will get your
personal wealth and business wealth working together to increase the value
For instance, you might be considering paying for that new piece of
equipment with a second mortgage on your home. But a Financial Advisor
recommends structuring a loan against inventory instead. And points out
that the flexible payments will help you steer extra cash flow toward winning
new business. And shows you how the boost to your personal balance sheet
will enable you to save even more. So you can get closer to buying that
long-cherished second home, rather than owing even more on your first.
Why does your business need a Financial Advisor?
Because that person will treat your business for what it is—
the biggest investment of your life.
One Financial Advisor.
Financing options that run the full gamut,
combined with experience that helps identify the
Basic, transactional best option given your business and personal
Banking and trEasUrY balance sheets. Options include:
managEmEnt sErvicEs n Term loans and n Home equity
that grow with your business to credit lines n Letters of credit
help save you time and money. Equipment
n n Growth capital
n Commercial deposit and treasury acquisition n Senior credit facilities
management services n Commercial real n Bridge and mezzanine
n Lockbox and payment collection services estate financing financing
n Electronic payments and multi-currency n Securities-backed
transaction services financing
n Fraud protection
PrEliqUiditY and sUccEssion Planning
n Business valuation and succession/ n GRATs (Grantor Retained Annuity
distribution of assets plan Trusts), Family Limited Partnerships
n Stock transfers and trusts that may (FLPs), LLCs and other vehicles to
save estate and gift taxes pass on assets and reduce estate
n Installment sales to family members and gift taxes
n Retirement planning
n Review of wills and estate documents
for financing several pieces of new manufacturing equipment…Which provides an efficiency
sophisticated business banking tools, like treasury services and lockbox management… Which
Which leads to added sales and profits, resulting in a higher business valuation… Which means
Your business represents a large portion of your
income and net worth, and that’s a good reason to
Many different kinds, each with unique
protect it. Risk management services include:
advantages, designed to help you provide
retirement benefits for yourself and your n Key-person insurance and buy-sell agreements
key employees—but in a tax-advantaged n Comprehensive financial plans and
way so the business benefits as well. diversified portfolios
n Profit sharing plans, tiered plans, n Strategies for extracting liquidity from
401(k), defined benefit plans and the business
SIMPLE IRA plans n Interest rate and currency hedging
mErgEr and acqUisition sErvicEs comPrEhEnsivE wEalth managEmEnt
for business owners who want to cash in on years to help ensure that your wealth works.
of hard work through a sale to a strategic buyer, n Income and cash n Investment
a private equity group or employees. flow planning management
n Full or partial n Recapitalizations n Asset protection n Wealth transfer
business sale n Personal borrowing
n Employee Stock
advantage that allows you to double revenue…and triple profits… Which means you need more
allow you to save on accountants and instead hire that crack VP of Sales that you’ve been eyeing…
you need a strategy for transferring your business to your daughter in a way that she can
Your Financial Advisor sees the connection.
The financial tools you need to manage the various pieces of your business
and personal finances are available from dozens of firms, each with their
own specialties. But there’s one person whose specialty is you.
Your Financial Advisor. And that’s how the pieces get connected.
Of course, your Financial Advisor doesn’t work alone any more than you do.
He or she can consult with other advisors you trust, as well as specialists
who have years of experience working with just about every problem, and
every opportunity, you might encounter.
From cash management systems, employee stock ownership plans, and
growth capital for your business…to estate planning, investment manage-
ment and asset protection for you and your family.
Your business and personal finances are connected.
One you, one Financial Advisor.
afford to buy it…and you can afford to sell it without
sacrificing your retirement… While, at the same time,
compensating your son for his “share” that he’s not inherit-
ing because he’d rather become a musician… All of which
takes an about-turn when, several years later, you receive an
unexpected offer for the business…one from a private
equity group that will allow you to sell 70% of the company
now, and retain a stake in its future, while continuing to run
the daily operations… Operations that expand rapidly and
result in a second liquidity event three years later, when
you, your daughter and your private equity partner sell the
company outright… Which, thanks to a little presale plan-
ning, has only a slight effect on your tax bill…And a big impact
on your portfolio…Which enables you to set up a trust so
your new grandson can someday start his own business…