Your entire financial world. Systematized.
Financial planning for business owners, built as one coordinated system.
Tax strategy, employee benefits, and succession planning, fully aligned across your business and personal wealth.
You didn’t build your business to rely on disconnected advisors. When payroll, benefits, and tax pull in separate directions, the bigger picture slips. We bring them together into one clean system.
Confidential. No contracts, zero obligation.
Where a fragmented financial strategy costs business owners the most
Tax strategy that stops at the return
Most business owners work with a CPA who files their taxes and a financial firm that manages their investments.
Neither one is building a proactive strategy across your entity structure, payroll, and retirement contributions at the same time.
The result is a tax bill that could have been smaller, every single year.
Employee benefits that cost more than they deliver
Healthcare alone consumes a growing share of payroll for most businesses.
Without a coordinated benefits strategy, you pay market rate for average outcomes that do little to attract or keep good people.
There’s a better way to structure it.
No succession plan when you need one most
A serious health event. A partner dispute. An unsolicited acquisition offer.
When buy-sell agreements and succession planning aren’t built into the strategy, owners find the gap at the worst possible time.
A plan built during growth is a strategy. A plan built during a crisis is a negotiation.
Your business finances shouldn't have gaps.
One conversation covers every area: tax, benefits, growth, and exit.
Disclaimer: Consultations are confidential and carry no obligation.
Business financial services built for owners who need more than the basics.
Everything is designed to work together. Not as separate services, but as one coordinated system. So your business, personal wealth, and long-term plan stay aligned.
Tax strategy
Advanced planning: entity structure, deductions, and proactive strategy aligned with your retirement and investment plan.
Employee benefits and healthcare
Lower healthcare costs with MERP and indemnity structures, without cutting the coverage your team relies on.
401(k) and retirement plans
Co-fiduciary 401(k) management that reduces liability and improves outcomes, paired with owner-focused retirement planning.
Executive bonus plans
Tax-efficient compensation strategies to reward and retain key employees using indexed life insurance.
Buy-sell agreements
Funded and coordinated buy-sell plans, so ownership transitions happen smoothly and seamlessly.
Payroll optimization
Streamlined payroll that reduces admin work and improves cash flow.
Premium financing
Access large life insurance coverage without tying up capital, preserving liquidity while building protection.
Succession and exit planning
Plan your exit with tax, estate, and retirement aligned, so the transition protects what you've built.
See how it all fits together
Get a clear view of your current setup, and where the gaps are costing you.
The Summit Plan: Everything coordinated under one roof
For business owners who want every financial function managed as a single strategy, the Summit Plan brings it all together.
Tax, benefits, payroll, investment, and succession.
One firm. One team. Every corner covered.
Financial planning for every person on your team.
Most executive benefit programs stop at ownership. Visionary Capital goes further, delivering financial planning to every employee and contractor, at no cost.
Each team member who opts in gets a personalized plan through the full Visionary platform: retirement planning, investment advisory, and asset protection, regardless of income or assets.
For employers, that’s a benefit most companies can’t match. In a tight labor market, real financial planning beyond a 401(k), becomes a powerful recruiting and retention advantage.
No added cost. Full access for your entire team.
One system. Every function. No gaps.
Built for business owners whose finances have outgrown piecemeal advice.
Disclaimer: Consultations are confidential and carry no obligation.
Built for business owners across every industry.
Construction and trades
You’ve built a business with real revenue: crews, equipment, and moving parts most advisors don’t fully understand. We bring tax strategy, benefits, and succession planning that fit how your business runs.
Service business operators
HVAC, logistics, landscaping. Service businesses run on tight margins and high payroll. Lowering healthcare costs and optimizing payroll protects those margins, and a coordinated plan turns the savings into long-term wealth.
Professional services firms
Engineering, staffing, legal. Your value is your people and your relationships. Executive benefits, buy-sell agreements, and succession planning protect what you’ve built and keep your team in place.
Ownership groups & executives
Multiple partners means multiple priorities. Buy-sell agreements, executive benefits, and exit planning bring everything into alignment, so transitions happen on your terms.
Your business deserves a financial strategy as strong as the one that built it.
Your business is your most valuable asset.
Let’s build a financial strategy that treats it that way.
What our valued clients say
PLATFORM ADVANTAGE
Why Visionary Capital for business financial planning?
Most firms handle one function and refer out the rest.
We coordinate every area of your business finances under a single strategy: tax, benefits, payroll, investment, and succession. Named specialists handle each area, and one team manages it all.
Our trusted service partners:
Meet your Visionary Capital team
Frequently Asked Questions
About financial planning for businesses
What does financial planning for business owners actually cover?
For a business owner, financial planning has two dimensions that need to work together: the business itself and your personal wealth. The business side covers tax strategy, employee benefits, payroll efficiency, capital allocation, and succession planning. The personal side covers retirement income, asset protection, estate planning, and investment strategy. The decisions you make in your business structure have direct implications for your personal financial plan — and vice versa. Building them in isolation is where most business owners leave money on the table.
How is this different from working with a typical financial firm?
Most firms manage your investments and hand you off for everything else. Tax to your CPA, benefits to a broker, payroll to a vendor, and nobody accountable for the whole picture. We coordinate every function under one strategy, so your tax decisions inform your retirement contributions, your benefits support your cash flow, and your succession plan is built alongside your estate plan. One firm. No handoffs.
How can a business owner reduce their tax burden?
The most effective tax strategies for business owners work across multiple areas simultaneously: entity structure, owner compensation, retirement contributions, and deduction maximization.
Through our partnerships, we build proactive tax strategy that accounts for your full financial picture, not just your annual return. The difference between reactive and proactive tax planning compounds significantly over time.
How do I reduce employee healthcare costs without cutting coverage?
Through Medical Expense Reimbursement Plans (MERP) and Healthcare Indemnity structures, most employers reduce total healthcare costs by an average of 50% while maintaining or improving employee coverage. The employer sets reimbursement parameters. Employees use funds for their own qualified healthcare expenses. Most business owners don’t know this structure exists until they see the analysis. The analysis is free.
What retirement plans are available for business owners?
Business owners have access to retirement structures that go well beyond a standard 401(k), which include SEP IRAs, Solo 401(k)s, SIMPLE IRAs, cash balance plans, and defined benefit plans. The right structure depends on your business setup, number of employees, income level, and exit timeline.
What is a buy-sell agreement and do I need one?
A buy-sell agreement is a legally binding contract between partners that governs what happens to an ownership stake when a partner exits through death, disability, retirement, or other circumstances. Without one, surviving partners can face forced ownership arrangements, valuation disputes, or loss of control at the worst time. They’re typically funded with life insurance so buyout proceeds are available immediately.
What are executive bonus plans?
An executive bonus plan lets a business provide a key executive with a cash bonus used to fund a life insurance or indexed universal life policy. The business deducts the bonus as a compensation expense. The executive receives tax-advantaged accumulation, living benefits, and a permanent death benefit. For owners looking to reward and retain executives beyond what conventional compensation can match, it’s one of the most efficient structures available.
What can you offer employees beyond standard benefits?
A no-cost financial plan. Every team member gets a personalized plan built on the full Visionary platform, 200+ carriers, 4,000+ solutions, retirement planning, investment advisory, and asset protection, regardless of income or asset level. There’s no additional cost to the employer. It’s a benefit most businesses can’t replicate through conventional HR programs, and it changes how your team thinks about working for you.
When should I start succession planning?
Earlier than you think. Even if a transition is years away, early planning gives you time to build business value, structure ownership correctly, fund a buy-sell agreement, and align your retirement income with the exit proceeds. Succession planning that starts during growth is a strategy. Succession planning that starts during a health event or partner dispute is a negotiation, and usually a costly one.
How do I get started?
A free consultation covers your full business financial picture: tax exposure, benefits structure, retirement timeline, and succession considerations. It’s confidential, carries no obligation, and shows you where the gaps are and what a coordinated strategy looks like. Most owners leave that first conversation with two or three things they can act on immediately.
Curious what a coordinated strategy could do for your business?
One conversation covers your tax exposure, your benefits structure, your succession considerations, and where the gaps are.
Disclaimer: Consultations are confidential and carry no obligation.