Who we serve
For founders and business owners
Financial planning for business owners connects company decisions with the household that depends on them. Aspirean Wealth helps founders review concentration, liquidity, potential transactions, and plans for sale proceeds, working alongside tax and legal advisers to evaluate the opportunities, costs, and constraints before and after a change in ownership.
Planning questions
What should business owners review around an exit?
Start with the decisions your circumstances require and the documents needed to evaluate them. Planning needs to account for costs, risks, and limits as well as the goals you hope to achieve.
Meet with usWhat should be reviewed before sale terms become binding?
Collect ownership records, basis information, proposed terms, and household cash requirements for the tax and legal team. Our pre-sale planning guide explains why eligibility and timing need individual review.
How much household wealth depends on the company?
Assess company equity alongside salary, distributions, guarantees, and resources held elsewhere. A concentration review compares the household consequences of a setback with the costs of reducing exposure.
How should proceeds support life after the sale?
Separate estimated taxes and other commitments from funds available for spending and investment. Review contingent payments, investment risk, and a withdrawal plan before making large new commitments.
Questions we answer
What questions should you explore next?
These short answers introduce the decisions covered in the linked guides. Review the full explanation for limitations and questions to discuss with your planning team.
What can be reviewed before a business sale?
Assemble ownership records, proposed transaction terms, and household cash requirements. Tax eligibility and the effects of any trust or gift depend on detailed requirements and the stage of the transaction.
Read the full answerWhen should business concentration be reconsidered?
Consider the effect of a business setback on household spending and long-term commitments. Compare resources outside the company with its capital needs and the costs or restrictions involved in reducing exposure.
Read the full answerHow should the proceeds be organized after a sale?
Separate estimated taxes and other commitments from the resources available for investment and spending. Review contingent payments and the household’s ability to bear losses before making large new commitments.
Read the full answerHow we work with you
Which services connect these decisions?
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Tax Planning & Coordination
Review investment and financial decisions alongside the tax professional who prepares your return.
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Investment Management
Evidence-based portfolios built for your goals, not this quarter’s headlines.
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Charitable Planning
Donor-advised funds, appreciated stock, and qualified charitable distributions, so giving is planned with your taxes rather than after them.
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Estate & Legacy Planning
Coordinate account and beneficiary questions with the attorney responsible for your legal documents.
What prompted the engagement?
A founder was preparing for a business exit and needed the legal and tax work connected with the household financial plan. The anticipated gain made it important to evaluate potential tax treatment before the transaction progressed.
What work did the engagement involve?
Aspirean coordinated planning around the proposed Section 1202 treatment with the attorneys and tax professionals involved. Those professionals were responsible for evaluating eligibility, documentation, and the legal and tax consequences.
What does the process illustrate?
The engagement connected pre-transaction planning with the professionals reviewing the sale. Tax results depend on the facts and applicable law, and an exclusion should not be assumed from this example.
Drawn from a real engagement, with details generalized to protect the client’s privacy. Every situation is different; outcomes depend on circumstances and timing.
Offices
Where can you meet with Aspirean Wealth?
Marin County, CA
6 Knoll Lane, Suite BMill Valley, CA 94941
(415) 383-8404
Marin County, CA · Mill Valley, CA · San Francisco Bay Area, CA
St. Joseph, MI
505 Pleasant St, Suite 401St. Joseph, MI 49085
(844) 687-5342
St. Joseph, MI · Benton Harbor, MI · Southwest Michigan
Chesterton, IN
160 Rail Rd, Suite 4Chesterton, IN 46304
(844) 687-5342
Chesterton, IN · Valparaiso, IN · Northwest Indiana
Frequently asked questions
What else should you know about the relationship?
Do you have a minimum asset level?
Yes. We best serve individuals with at least $1 million in investable assets, including 401(k) plan assets, or more complex financial situations. Our minimum annual fee is $7,500 for clients below that threshold.
How are you compensated?
Aspirean Wealth charges an advisory fee based on the assets it manages. Investment expenses and custodial or transaction charges may also apply; review our firm disclosures and your agreement for fees, services, and conflicts of interest.
Do you replace my tax or legal advisers?
Your tax and legal professionals advise on their respective areas and prepare the relevant filings and documents. Aspirean Wealth coordinates financial planning and investment decisions with their work, within the scope of your agreement.
What information should I bring to a first conversation?
Bring the questions you want to resolve and a broad outline of your accounts, obligations, and relevant timelines. Ask how sensitive documents should be shared before sending them, and confirm the services and fees involved.
Meet with us
Let’s talk.
We take on a limited number of new families each year, on purpose. If some version of this moment has arrived at your door, we’d like to hear from you.
Meet with us