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Personal Finance is Different for Entrepreneurs

Personal Finance is Different for Entrepreneurs

If you're an entrepreneur, personal finance is not about handing your money over to the stock market, or putting it in a retirement plan, and hoping it works out. It's not about diversification, it's about focus. And it's not about complexity. It's about simplification, minimizing risk, and optimizing cash flow.

Our firm specializes in helping professionals, entrepreneurs and business owners develop sound financial planning strategies. We offer personalized, hands-on service. We educate our clients about financial strategies, concepts and products, and take the mystery out of investing, insurance, estate conservation, and preserving wealth.

We understand the many challenges of business owners today. We focus on money management, as well as other issues that are critical to your financial well being.

Business Planning Solutions & Financial Services

Client Centered

Our breadth of Small Business solutions ensures that we are able to best match your needs no matter which aspects of business or financial planning you require.

We offer a number of strategic planning options for businesses and small business owners. Our experienced advisors can personally assist you with your business needs, including but not limited to; cost segregation studies, property tax recovery, energy tax incentive audits, hiring incentives, and manufacturing tax credit studies. Our national team of industry experts will work with you to discover which services are right for your business, and can even provide a calculation of benefit that each service will yield.

We provide our clients with the highest industry recognized level of service and a single solution to capture the broadest range of federal, state and local tax credits and incentives. We structured our organization and processes to meet all of the challenges commonly experienced by companies attempting to capture financial savings and reinvest in their businesses with a focus on each client’s specific industry, circumstances and goals.

Throughout each project our team works side by side with our clients, CPAs, and accounting staff to ensure a smooth integration of these lucrative tax credits. We also offer expense reduction strategies, specialized retirement programs, corporate financing options and other business benefits.

Our retirement investments are all bound by the same top tier fiduciary loyalty. All strategies that involve investing directly in the markets benefit from our dynamic Smart investing and we will never recommend a product that we do not believe matches your business’s financial goals.

  • SEP IRAs
  • 401Ks
  • Simple Plans
  • Buy/Sell Agreements
  • Split Dollar Agreements
  • Key Employee Insurances
  • Corporate Investment Management
  • Defined Contribution Plans
  • 1031 | 1033 | DST Tax-Deferred Exchanges
  • Business Estate Planning or Succession Planning
  • Exit Planning Strategies
  • Cost Remediation Strategies

Specialized Tax Incentives: Our proprietary software helps identify local, state, and federal tax incentives available for your business.  On average, for a small to mid size company, we are able to identify over $200k.

Corporate Expense Reductions: Our 11 point expense analysis identifies overcharges and billing errors in key expense areas such as Credit Card Merchant Processing, Parcel Shipping, Waste & Recycling, Property Taxes, and Workers Compensation Premiums.

We offer knowledge, experience and a fresh set of eyes. Find out how much you've been missing out on and contact us today!

Proprietary Retirement Program

Client Centered

Here at Perpetual Wealth Financial, we work with many businesses, professionals, entrepreneurs and athletes to facilitate individualized, personalized and proprietary retirement programs. One of the more powerful approaches we use is a front loaded retirement program, called the Stryde Retirement Program (SRP), created by Stryde.

While there are many nuances to the methodologies behind the working parts of this structure, the SRP is simply a tool through which a business owner may have the ability to drastically advance their wealth accumulation relative to their retirement planning efforts in a highly tax advantaged manner. This methodology, when applicable, gives business owners the opportunity to take a tax deduction relative to their participation, grow their wealth tax deferred and take distributions out of this retirement planning medium tax free.

Additionally, it jump starts their retirement by advancing massive amounts of capital in their program for them, with the goal of realizing superior gains as a result of having more money working for them. This lends itself to having the ability to generate a much larger nest egg than through other approaches that may then be distributed on a tax free basis.

• Wealth Transfer: Transfer massive amounts of wealth to your heirs, charity, school or foundation utilizing the most powerful and cost effective manner while guaranteeing the results

• Estate Plan: Engage in estate planning utilizing the benefits of your business to accomplish the most cost effective ILIT in existence

• Qualified Plan Rescue: By redirecting participating funds, the opportunity exists to generate a structure that results in tax free distributions that may be applied against taxes due on distributions out of a qualified plan

• Business Exit Planning: With the ability of the front loading to be assumed, it may provide massive benefit to the business seller and buyer at sale

• Key-man & Buy/Sell: With the insurance contained within the structure, it can be used as a wealth accumulation medium and address insurance needs simultaneously

Empower Your Employees With A Financial Wellness Program

Client Centered

Most employees are worried about their finances.

Fear and worry over money can impact employee productivity and well-being.

When a company helps its employees feel confident about their financial wellness, the company benefits by having a workforce that focuses on their work rather than concerns over their mortgage, rent or groceries.

”The percentage of employers offering financial wellness programs rose to 83 percent, up from 20 percent in 2015.”
- 2020 survey of 800 companies conducted by Prudential Financial Inc

"Employers and employees report higher satisfaction with their benefit plans when financial wellness programs are offered," said Vishal Jain, financial wellness officer for Prudential's workplace solutions group. "Employees increasingly look to their employers to help them achieve financial security, and employers are seeking data and insights on how to respond and influence better outcomes."

"Employees are struggling to navigate a convoluted financial landscape," said Anna Phalen, vice president of customer insights at Jellyvision, a benefits-communication software firm. "Many people are making bad decisions or no decisions" when it comes to savings, she noted. "By giving employees education, guidance and resources to help them make smart financial decisions for their future, employers will have a competitive edge when it comes to recruiting and retaining talent, reducing employee financial stress and helping aging populations retire comfortably."



Goal Setting

- Develop A Financial Plan
- Establish Clear Goals
- Personal Accountability

Budgeting & Saving

- Pay Yourself First
- Create a Budget
- Spend Smart

Debt Repayment

- Improve Credit Score
- Refinance Loans
- Eliminate Debt

Emergency Preparation

- Start An Emergency Fund
- Protective Insurance
- Peace Of Mind

Investment Education

- Retirement Accounts
- Alternative Investments
- Stocks and Bonds

Tax Planning

- How Income Taxes Work
- Provisional Income
- Deductions and Credits

Retirement Plan

- Maximize Social Security
- Annuities
- Retirement Income

Legacy Plan

- Preserving Your Legacy
- How to Avoid Probate
- Trust vs. Will

Wealth Management Made Easy

Client Centered

At Perpetual Wealth Financial, we take the approach that Wealth Management does not have to be complicated although it’s a complicated subject. We work to identify our client’s needs, then develop a plan that could be complicated in scope, but communicated in a manner that’s simple to understand and extremely simple to implement.

In addition, we believe that any strategy that’s implemented must be easy to maintain.  Most complicated strategies end up getting shelved no sooner than they’re implemented due to the many steps clients are required to take to make it work.

Our approach is simple.  We implement a

  • Cash Flow Management System
  • Cash Reserve System
  • Income Generation Strategy

Once the systems are in place we simply review each area on a quarterly basis to ensure clients are on track to achieving their goals.

Retirement Planning

Client Centered

Our retirement planning services are very robust.  They include but are not limited to

  • Pension Planning & Advising
  • Maximizing Retirement Income
  • Estimating Retirement Needs
  • Social Security Planning
  • Wealth Transfer & Estate Planning
  • Tax Planning Strategies

Do You Owe The AMT?

If you want to avoid potential surprises at tax time, it may make sense to know where you stand when it comes to the AMT.

Roth 401(k) vs. Traditional 401(k)

This calculator compares employee contributions to a Roth 401(k) and a traditional 401(k).

5 Benefits of Working in Retirement

Here are 5 reason why you may consider working through retirement.

For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you.  |  (877) 434-6243