Advisory Services
Financial Planning for Business Owners
Integrated income, investment, tax and retirement planning, in one roadmap.
Is this you?
Most of your net worth sits inside the business, and the retirement plan is “sell it one day”.
You hold a 401(k), an IRA, some property and a policy or two, and nobody has ever looked at them together.
Your accountant files the return, someone else sells you products, and no one is planning the next ten years.
If any of those sound familiar, or call +1 (305) 819-3675.
The plan that never gets written
Filing a return and funding a 401(k) are transactions, not a plan. Without one document tying income, tax, retirement, insurance and estate decisions together, every choice gets made on its own, and the gaps stay invisible until something forces them into the open: a sale, an illness, a market year nobody modeled.
Once a year
Minimum recommended cadence for a full plan review, or after any major life event
Why owners choose us for this
Fee-only. No commissions, no percentage of your assets.
Flat annual retainers. We aren't paid more for steering you into one product or investment over another, so the advice reads the same whichever way you go.
A fixed fee, quoted before any work starts.
We scope the plan, quote the number, and you approve it first. No hourly meter, no surprise invoice at the end.
Your planner and your tax team are the same firm.
SMAART Company prepares the returns. Your plan is built from the actual numbers on them, not estimated from the outside.
5.0 · 555 Google reviews of SMAART Company
What you actually get
A written, personalized plan that integrates tax, retirement, insurance and estate goals.
Ready when you are
How it works
- 1
Discover
We gather your financial data, understand your goals and assess your current position across all areas.
- 2
Analyze
Your income, expenses, debts, investments, insurance and tax situation are analyzed to identify gaps and opportunities.
- 3
Plan
A written financial plan is created with specific recommendations for budgeting, saving, investing and risk management.
- 4
Implement
We help you execute the plan, opening accounts, adjusting contributions, coordinating with attorneys or insurers as needed.
- 5
Review
Annual reviews ensure your plan stays aligned with your evolving life circumstances, tax law changes and market conditions.
Included Services & Outcomes
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Questions
Financial Planning FAQ
How is financial planning different from finance consulting?
Financial planning is a holistic, personal service covering budgeting, retirement, insurance, estate planning and investment strategy for individuals and families. Finance consulting is corporate-level financial modeling and strategic advisory for businesses.
Do I need to be wealthy to benefit from financial planning?
No. Financial planning is valuable at every income level. The earlier you start, the more time your plan has to compound.
Will SMAART manage my investments directly?
We provide investment strategy guidance and coordinate with your existing advisors or custodians. Our focus is building the overall financial plan and ensuring your investment approach aligns with your broader goals.
How often should I update my financial plan?
We recommend a comprehensive review at least once a year, or whenever a major life event occurs, marriage, home purchase, business sale, inheritance or retirement transition.
How much does financial planning cost?
Comprehensive written plans start at a fixed upfront fee based on complexity. Ongoing review retainers are flat annual fees, no percentage-of-assets charges, no commission-based recommendations.
Put SMAART Advisors on your financial planning
Book a free consultation. We'll review your situation, quote a fixed fee, and show you exactly what we'd do differently.