Business owners
One plan for your company, your equity, and everything else you own.
Your business holds the cash, the retirement plan and most of your net worth. You want one plan for all three.
Your situation
Does this sound like you?
- Most of your net worth is tied to one operating company.
- Your business holds operating cash and reserves, and nobody has written down what each part is for.
- You have a retirement plan for yourself and your employees, or you are deciding whether to start one.
- A sale, succession or partner change is coming, and you want to plan for it before it forces a decision.
The work
What we work on together
Your business cash
Define operating cash, liquidity reserves, strategic reserves and investment assets, and what each is allowed to do. Map obligations, payroll, inflows and distributions so the business does not rely on forced selling.
Your retirement plan, and your employees’
Plan types such as a Solo 401(k), SEP IRA, SIMPLE IRA and cash balance plan are explained on our tax-aware reference. For an ERISA-covered plan account we advise, the signed agreement elects our role: an ERISA §3(21) adviser or a §3(38) investment manager. We are not the plan administrator, and selecting and monitoring us stays with the plan’s named fiduciary.
Your household, kept separate from the business
Separate household liquidity needs from business operating needs.
Your exit
Exit, succession, partner, or family-transition planning before a forced decision. Document the policy for diversification, reserves, and reinvestment after any sale or distribution.
Your advisers, working together
Coordinate tax, legal, insurance, and estate professionals around one planning process.
How we work
How a first conversation works
A 30-minute call about what’s on your mind. No preparation needed.
If it fits, we map your whole balance sheet: business, equity, digital assets, family.
If we’re a fit, we agree the scope and fee in writing before any work starts. You decide whether to go ahead.
Pricing
How we price
Advisory retainer
Monthly retainer
Set by what you are looking for, the complexity of your situation and how involved you want us to be. Billed monthly in arrears.
Project engagement
Fixed fee, agreed in advance
Milestone-based or upon completion.
Investment management
0.25% to 2.00%
Annually, billed monthly in arrears.
We do not impose a minimum account size.
Go further
General information only
This page is educational and is not personalized investment, tax, legal, custody, or estate advice. Advisory services are provided only under a signed advisory agreement. Protocol Wealth coordinates with qualified tax and legal professionals where those questions are involved. All investing involves risk, including the possible loss of principal.