Business owners
Managing business and personal wealth requires a coordinated approach.
Cleros brings both sides together to support financial goals today and prepare for future transitions.
Business and personal financial planning
We coordinate compensation, capital allocation, investments, and long-term obligations within a comprehensive wealth strategy that accounts for both the demands of business ownership and your personal financial priorities.
We coordinate compensation, capital allocation, investments, and long-term obligations within a comprehensive wealth strategy.
Liquidity and cash-flow planning
Business growth and personal liquidity needs often require different approaches to capital management.
We evaluate cash reserves, distributions, liabilities, and future capital requirements to help balance business reinvestment with personal financial priorities.
Investment management
A significant portion of a business owner's net worth may be concentrated in a single company.
We build investment portfolios that complement existing business interests, balancing diversification, risk exposure, and long-term wealth accumulation.
Retirement-plan design and oversight
A well-designed retirement plan can serve both ownership objectives and employee needs.
We evaluate plan structures, contribution strategies, investment options, and oversight responsibilities to support retirement outcomes and broader business priorities.
Tax-aware planning
Business and personal financial decisions can have overlapping tax consequences.
We coordinate with tax professionals to evaluate compensation, distributions, retirement contributions, and other opportunities for tax-efficient wealth management.
Estate and wealth transfer
Business interests introduce additional considerations for succession and generational wealth transfer.
We work alongside legal and tax professionals to coordinate ownership transitions, estate structures, and strategies for transferring wealth across generations.
FAQs we hear from business owners
Ideally, several years before a potential transaction. Early planning provides time to evaluate ownership structures, tax considerations, liquidity needs, and personal financial objectives before negotiations begin.
We model potential proceeds alongside taxes, liabilities, spending needs, and future investments to evaluate how a transaction may affect your overall financial position. This helps establish priorities for capital before and after closing.
A sale can transform concentrated business ownership into substantial liquid assets. We evaluate diversification, risk exposure, income requirements, and liquidity needs to develop an investment strategy suited to your new financial circumstances.
Transaction structure, timing, and ownership arrangements can materially affect after-tax proceeds. We coordinate with your tax and legal professionals to evaluate planning opportunities before the terms of a sale are finalized.
In some circumstances, charitable strategies may offer advantages when implemented before a transaction. We work with your tax and legal advisers to evaluate gifting structures, timing, and philanthropic objectives within your broader wealth plan.
A business sale can significantly change the composition and value of your estate. We coordinate with estate-planning professionals to evaluate trusts, gifting strategies, beneficiary arrangements, and opportunities for transferring wealth across generations.
An exit can change more than your balance sheet. We help establish a financial framework for life after business ownership, addressing spending, investment income, family priorities, and the capital available for future pursuits.
Yes. These transactions can provide liquidity while preserving an ownership interest and potential future upside. We evaluate the implications for your personal wealth, including retained equity, concentration risk, tax considerations, and future liquidity needs.
Cleros Wealth Partners works with a limited number of clients.
We are thoughtful about the clients we serve, seeking relationships where our approach can support their needs today and well into the future.
Clients looking for a highly personal advisory relationship are invited to write to us directly.
