Services / For Business Owners

Your biggest asset isn’t in a brokerage account.

The flagship engagement: wealth management built around the company — compensation, retirement plan design, concentration, liquidity, and the exit you’ll eventually make.

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The owner’s balance sheet is different.

For most owners, the company is 60–90% of net worth — which means the standard wealth-management playbook, written for people with paychecks and index funds, quietly ignores the largest position in the portfolio. Our engagement starts from the business and works outward.

Compensation and entity strategy. How you pay yourself — salary, distributions, rent, retirement contributions — is a tax decision, an investment decision, and a legal decision at once. We build it with the CPAs at Xel Advisors so all three answers agree.

Retirement plans that actually shelter income. For owners with strong cash flow, plan design is the biggest lever in the tax code — a safe-harbor 401(k) with profit sharing, or a cash balance plan layered on top, can move six figures a year into tax-advantaged accounts while benefiting the team.

A liquidity policy, in writing. How much cash lives outside the company, how distributions are deployed, and how big purchases get funded — decided once, calmly, instead of re-argued every quarter.

Exit readiness, years early. Valuation drivers, clean financials, deal structure, and the estate moves that only work before a letter of intent. When the transaction comes, Xel’s transaction advisory team is at the same table.

Signature work

Owner comp & entity coordination
401(k), profit sharing & cash balance design
Concentration measurement & liquidity policy
Key-person & buy-sell coverage review
Exit readiness & proceeds planning

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Retirement plans, compared for owners.

Plan design

SEP IRASimple to open, generous limits, but every eligible employee gets the same percentage you give yourself — best for owner-only or very small teams.

Solo 401(k)For owner-only businesses (spouses count): employee deferral plus employer profit sharing, Roth options, and higher effective limits at moderate income than a SEP.

Safe-harbor 401(k) + profit sharingThe workhorse for companies with staff — owners max deferrals without testing failures, employees get a real benefit, and profit sharing flexes with cash flow.

Cash balance planLayered on a 401(k), it can shelter six figures a year for owners in their peak decade — powerful, but it's a multi-year commitment that demands steady cash flow.

Which one fits depends on payroll, demographics, and cash flow — design work we do jointly with the CPAs. Contribution limits change annually; see the IRS retirement plans reference for current figures.

The arc of an owner’s plan.

Timeline

Years before

Build & shelter

Maximize what the business funds — retirement plans, HSAs, taxable savings — while a liquidity policy moves wealth off the company’s balance sheet on schedule.

The transaction

Exit well

Deal structure, tax modeling, and pre-sale estate moves — coordinated across your CPA, attorney, and advisor so the after-tax number is the one that gets negotiated.

After liquidity

Make it last

Proceeds become a portfolio with a job: income, family goals, philanthropy. The discipline that built the company now protects what it produced.

Fair questions, straight answers.

FAQ

My net worth is mostly my company. Is that a problem?It's normal — and it's a risk worth measuring rather than ignoring. We model your household's exposure to the company, its industry, and its real estate, then build a liquidity policy so diversification happens on purpose, at your pace.

Which retirement plan should my company have?It depends on your age, payroll, cash flow, and how much you want to shelter. A safe-harbor 401(k), profit sharing, or a cash balance plan can each be right — the design work is done jointly with your CPA so the deduction and the demographics both work.

When should exit planning start?Three to five years out, ideally. Clean financials, transferable operations, entity and tax structure, and a personal plan for the proceeds all take time — and every one of them moves the number you keep.

Do I have to use Xel Advisors for tax work?No. We coordinate happily with outside CPAs and attorneys. The one-table model is an option our clients tend to choose, not a requirement.

What happens to my plan after I sell the company?It changes jobs. The engagement continues through the transaction and out the other side — investing the proceeds, replacing the paycheck, revisiting the estate plan, and giving the discipline that built the company a new place to work.

One table. Every advisor.

Xel Wealth Management was built inside a CPA firm on purpose. Your financial plan and your tax return are the same picture — so our advisors work alongside the CPAs, payroll team, and insurance brokers at Xel Advisors, with your permission and your whole balance sheet in view.

The Xel family of firms

Xel Advisors, Inc. — tax, accounting & business advisory
Xel Wealth Management, Inc. — investment advisory (this site)
XA Insurance Services, Inc. — insurance brokerage

Bring the whole balance sheet. We’ll bring the whole table.

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