A lot of business owners I meet are great at running their business.
But when you ask them if they're on track for retirement, they couldn't tell you. They have the same fears of running out of money that all pre-retirees struggle with, or they don't have a plan at all.
Most don't have the time to be great at running a business and great at optimizing their personal finances at the same time. So the big decisions keep getting pushed.
Decisions that compound over years into real money either kept or lost. And the longer they sit unanswered, the harder they get.
In my opinion, the time to start is 10-15 years before you're ready to stop. That's when the decisions still have room to work.
Self-employed professionals and small business owners who are still heads down running the business but starting to wonder if the personal plan is actually there.
Here's what that looks like in practice:
→ Choosing the right business structure
→ Designing a retirement plan that works for you and your employees
→ Coordinating investments across account types
→ Reducing your lifetime tax bill
→ Optimizing your salary to keep more of what you earn
→ Maximizing the QBI deduction that so many overlook
→ Managing personal finances and investments outside the business so everything works cohesively
→ Planning the transition — income, taxes, and passing assets to heirs
I'm here to make sure the financial plan and the tax strategy are working toward the same goal because when they're not, it's you who pays for it.
When you're ready to stop, the income should be there, you should have a tax plan, and you should have somebody looking out for blind spots for you.
Based in Arroyo Grande. Serving the Central Coast and beyond.
Background & Community
Education:
B.A. in Public Policy, Arizona State University | Arroyo Grande High School
Community Involvement:
✓ SLO County Chamber of Commerce Ambassador
✓ Former 17 Strong Foundation Committee Member
Outside the Office:
Basketball | Golf | Scuba Diving
Ready for your next chapter?
Connect with Sawyer for straightforward, reliable guidance built for business owners and high earners who refuse to settle for cookie-cutter advice.