Financial Advisors for Small Business Owners

Small Business Financial Planning

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Financial Planning for Small Business Owners

If you’re a small business owner, doing your personal and corporate books can be doubly taxing.

With EP Wealth Advisors’ help, you can simplify the process by integrating your business and personal planning— in an attempt to find synergies that may help to provide tax and retirement planning opportunities.

Integrating Business and Personal Finances and Investments

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Building Financial Strategies for Small Business Owners

We build financial strategies intended to help business owners by:

  • Appropriately setting up retirement benefits
  • Creating tax opportunities 
  • Moderating risks
  • Planning for business transition

No guarantee or warrantee can be made that any strategy offered, developed, or referenced herein will increase personal wealth or offer positive results. All Investment and Financial Planning strategies are subject to profit and loss.


Check out our guide to help small business owners choose a financial advisor. You'll read about how a financial advisor can help your and your business integrate finances, tax planning, invest, and set up a retirement plan for the business. 

Small Business Financial Planning Process in 8 Easy Steps

We work with our small business owners hand in hand to develop a comprehensive plan for both their personal and business finances.


Discovery and Business Analysis

We embark on a discovery period to fully understand your business and identify areas for financial opportunities.

Evaluate Corporate Structure

Evaluate Corporate Structure

We will work with your CPA and attorney and evaluate the effectiveness and benefits of your corporate structure.

Cash Flow Analysis

Cash Flow Analysis

We will review your financial statements and coordinate with your CPA to determine any opportunities to implement financial planning strategies.

Risk Management

Risk Management

We will review both your personal and professional insurance policies to ensure you are adequately protected in your personal life and through your business.

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Optimize Your Retirement Plan for You and Your Business

We will help identify different types of retirement plans that make sense for your business and what their potential benefits are.

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Finalize and Implement

We will communicate with your CPA and attorney to help implement the appropriate strategies.

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We will monitor the evolution of your business and continue to find appropriate solutions designed to meet your ever-changing goals.

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We will partner with your CPA and Attorney to explore exit options that may suit your needs and outline a plan of action.

*The services detailed here are not comprehensive. There is no guarantee that a client will receive all the services detailed here. The services offered are subject to change and will depend on the needs of the individual clients. EP Wealth Advisors (“EPWA”) does not have a defined Small Business Planning offering. Services detailed or referenced here are available to all EPWA clients.

10 Common Mistakes Small Business Owners Make

  1. Paying themselves more than they need
  2. Using their Business Account for personal expenses
  3. Not taking advantage of low interest rates and depreciation, when available
  4. Not having the correct corporate structure
  5. Not having a succession and tax plan – Read more on succession planning here!
  6. Using liquid funds to make illiquid purchases
  7. Not having the appropriate retirement plan or any retirement plan.
  8. Not having a good bookkeeper
  9. Not delegating or hiring a financial professional
  10. Not having appropriate insurance plan


The list detailed here should not be considered a complete detailing of the subject discussed. List should be considered informational and subjective in nature. It is not intended to be construed as professional investment or financial planning advice.

Are You A Small Business Owner Seeking a Personal Financial Advisor?

Contact us today and we'll get you connected with one of our EP Wealth Advisors!