Integrated Wealth Management for Business Owners and Entrepreneurs

For What You've Built & What Comes Next.

Owning a business can create wealth, but it can also create complexity that most financial advisors may not be built to handle. When your personal and your business finances are deeply intertwined, you need a strategy that accounts for both.

 

Summitry integrates holistic wealth management, investment planning, and tax strategy into a cohesive roadmap so every part of your financial life, inside and outside the business, pulls in the same direction.

TALK TO An ADVISOR WHO SEES THE WHOLE PICTURE

Running a Business Is Complex. Your Financial Plan Should Not Be.

Let Us Help You Build a Strategy That Works for You and Your Business.

Every decision you make, from how your business is structured to how profits are distributed, from when you take a salary to when you start planning an exit, shapes both your business and your long-term personal financial picture.

 

Summitry works with entrepreneurs and business owners to help coordinate the full picture: business cash flow, personal wealth, tax strategy, retirement funding, and estate planning. Together, we build a strategy that accounts for the complexity of owning a business while protecting what you are building personally.

 

When markets shift, tax rules change, or your business enters a new phase, your plan stays clear, flexible, and focused, so you can plan your next move.

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We work with a limited number of new clients each quarter to maintain the depth of service our existing clients expect. Submit your information, and we'll be in touch within one business day.

How Summitry Approaches Wealth Management

See if this approach makes sense for you.

FINANCIAL PLANNING THAT WORKS AS HARD AS YOU DO

Your financial picture has layers. A tax structure that may no longer fit how your business has grown. A succession plan that exists in theory but not on paper. Retirement savings that have taken a back seat to reinvesting in the business. Personal wealth that is harder to separate from business wealth than it should be.

 

We often see many advisors treat these as separate problems. Summitry treats them as one connected system.

The Problem We Find With Most Wealth Management

We often see approaches break down in one of two ways.
Neither approach reflects what we believe it actually takes to build and protect wealth in Southern California.

1. You manage it yourself:

  • Information is everywhere, but disconnected
  • Business and personal finances blur together without a clear strategy
  • Tax, investments, and planning don't align
  • Time cost becomes unsustainable as the business grows

2. You hire a generalist firm

  • Advisors who understand portfolios but not businesses
  • No meaningful guidance on entity structure, succession, or exit planning
  • Advice built for employees, not for people who own the company

How summitry solves this

Instead of treating your business and personal finances as separate conversations, we aim to connect them into one coordinated strategy.
  • Business entity and tax structure aligned with your personal wealth goals
  • Profit distribution and cash flow integrated into your broader financial plan
  • Succession and exit planning built around your timeline and priorities
  • Retirement strategy designed around the realities of variable business income
  • Estate planning that accounts for business interests, not just personal assets

 

WHAT THIS CAN MEAN FOR YOU

  • You stop making financial decisions in isolation
  • Your business strategy and personal wealth strategy finally speak the same language
  • You have a clear picture of what your business exit means for your financial life
  • You know exactly what to do next and why
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Tax Strategy

Entity structure, profit distribution, compensation planning are coordinated into a tax strategy that reflects how your business actually works.

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Succession & Exit Planning

The time to build your exit plan is before you need it. We help you structure a succession or sale that protects what you've built and fits your broader financial picture.

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Estate Planning

Your estate plan should reflect everything you've built, including the business. We coordinate personal estate planning with business succession, buy-sell agreements, and the transfer of business interests.

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Investments

Personal investment strategy for business owners has to account for what the business already provides and what it doesn't. We aim to build portfolios that complement your business exposure and align with your long-term goals.

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Digital Experience

A clear view of your full financial picture, available when you need it. No chasing. No guessing.

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FAQs

What makes financial planning different for business owners?

Most financial plans are built around a salary, a portfolio, and a retirement date. We often find business owners don't fit that model. Your income fluctuates. Your largest asset may be illiquid. Your personal and business tax situations are deeply connected. Summitry aims to builds plans that account for all of it.

 

How does Summitry approach business succession planning?

We start well before you're ready to leave. Whether your plan is to sell to a third party, transition to a partner or family member, or simply step back over time, the financial and tax implications are significant and take time to structure well. We help you think through the timeline, the valuation, the tax strategy around the transaction, and what your personal financial life looks like on the other side.

 

Can you help me plan for a business sale or exit?

Yes. Exit planning is one of the most consequential financial decisions a business owner makes, and we find it’s one of the most under-planned. We work with clients to structure the transaction efficiently, plan for the proceeds, and make sure your broader financial plan accounts for the shift from business income to investment income.

 

Does Summitry work with my CPA and business attorney?

Summitry works with the other professionals who matter to your business and personal finances. We work alongside your existing advisors and can help fill gaps where they exist.

 

What retirement plan options are available to business owners?

Business owners have access to retirement vehicles, including SEP IRAs, Solo 401(k)s, and defined benefit plans, that can allow for significantly higher contributions. The right structure depends on your business income, entity type, and long-term goals.

ABOUT US

Summitry is a wealth management firm providing integrated financial planning for business owners, entrepreneurs, and high net worth individuals and families. From business succession and tax strategy to personal investment management and estate planning, we help you coordinate every aspect of your financial life.

 

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Complexity is expected. Clarity is the work.

Talk with Summitry about a financial plan built around the realities of owning a business.

 

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Bay Area Wealth Management
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