How We Help Business Owners

 

Overview
The needs and priorities of business owners are unique and often they don’t have the time to spend on the day to day details of their finances. At Gradidge Anderson & Associates Wealth Advisory Group we work with a diverse array of business owners and have the expertise and experience to advise our clients through the various stages of their businesses and integrate that into their personal financial structure. Micah, with his Financial Planning background creates with our clients long term comprehensive plans to guide you towards your goals so that you can spend your precious free time with the ones that matter the most.

Investment Management
We spend the time to understand the needs of our clients and what they need from their investments, and work with them to create a portfolio that will minimize volatility, reduce their tax burden and deliver the long term returns they will need to achieve their financial goals. We have long standing relationships with some of the countries leading and most exclusive portfolio managers to provide discretionary investment management through our Manulife Securities Masters Private Account Program, but for those that are looking for a bespoke investment portfolio we have decades of experience creating tailored solutions to meet our clients needs.

Business Ownership Structure
We work with our clients other business advisors to create ownership models that will allow them to manage their businesses with the lowest liability exposure and create favorable tax shelters to maximize their assets. We help our business owners set up tax-deferral strategies that will help them achieve their long term wealth needs and pass it to the next generation as efficiently as possible. The right business ownership structure is also important when it comes time to exit or sell that business.

Integrating Your Personal Finances
We understand that the personal financial goals of our business owners is closely tied to their business, which is why Micah integrates the advice that we give our business clients into the personal financial plan that he creates with them. We build with them a road map of detailed personal financial milestones and build strategies around:
 

• Saving to help fund a child or grandchild’s education
• Income splitting to maximize household cash flow
• Develop a personalized retirement savings strategy – including the assets of the business
• Transitioning into retirement and providing a retirement income strategy
• Identifying risks to the achievement of their goals and working with them to reduce or eliminate these risks
   

Regular Progress Update Meetings and Reporting
We meet with our business owners when it works for them to review our long term plans and give them a progress update and reports. Your time is short and valuable, we want you to know where you stand so you can feel confident in your families financial security.