Financial Planning for Small Business Owners

You Invest In Your Business. Let Us Help Invest In You.

Let’s make your personal goals happen alongside your professional ones. It takes a great deal of time and effort to start and run your own business. In the midst of all that, it’s just as important to put that same time and effort into your financial future—which means your values, your personal and professional goals, and your retirement. Gajardo Wealth Management has experience serving entrepreneurs who own and manage a wide range of businesses.

Especially for small business owners, we see the value in liquidity. That’s why we strive to keep your investment portfolio as close to 100% liquid as possible, so you always have access to your money. That way, when your next “can’t-miss” business opportunity presents itself, you have access to your finances.

Just as no two businesses are alike, no two planning strategies should be alike. At Gajardo Wealth Management, we’ll tailor your investment portfolio to work toward your personal goals so you can focus on your business.

Budgeting & Debt Management

You’re comfortable managing the finances for your business—but what about your own? We’ll help manage small business loans and other debt and come up with a budget to navigate daily expenses and save for the future you wish to create.

Investment Management

Running your own business can be time-consuming. When you’re not hard at work, you don’t want to spend every free moment poring over your investment portfolio. You want to spend that time doing what you love, with the people you love. We’ll manage your investment portfolio to achieve your short- and long-term goals. The result? You get more time for your work and your personal life, while we align your portfolio with your individual goals, priorities, and risk tolerance.

Insurance Planning

How do you protect yourself when the unexpected happens? We’ll offer unbiased advice to select the right insurance plans to fit your needs—from life and disability plans to homeowners’ insurance, auto insurance, and more.

Tax Planning

As your advisor, we’ll work with your CPA to help minimize your tax bill. We can factor in the timing and scale of your income as a small business owner, as well as the timing of significant purchases, and any planned and upcoming expenditures you may have.

Estate Planning

How do you want to take care of your loved ones down the line? What about your assets or your home? We’ll work with your estate planning attorney to ensure your wishes are carried out, including setting up trusts and wills, accounting for assets, and planning contributions to causes you care about.

Long-Term Care Planning

Your later years may require some time of long-term medical care or support, which can come with significant out-of-pocket costs. We’ll ensure that no matter what life may bring, there’s a strategy in place for your immediate and future needs.

College Planning

Tuition costs continue to climb, but with the right planning in place, it can feel a lot more doable even if you feel like you got a late start. If you have a child who may be college-bound, we’ll help craft a custom strategy to help build your savings and fund their future.

Retirement Planning

It’s never too early—or too late—to start planning for your later years. All this time, you’ve been investing in your business and now, we’re eager to help you invest in yourself. We’ll meet you wherever you are in the planning process and build a personalized strategy to invest in your retirement, accounting for future expenses and liabilities that come with this time in life.

Succession Planning

When you’re ready to move on, what’s next for your business? Are you planning to sell it and cash out? Or perhaps you want to hire a new team to run the business and continue to earn a paycheck? At Gajardo Wealth Management, we listen to you and we’ll help you determine and plan for succession in a way that’s aligned with your goals and values, whether that be a regular paycheck or something else.

Charitable Giving Planning

You worked hard to build your business. Now, you’re ready to give back, and we’re eager to help. Let’s build a strategy to maximize the impact of every gift you make to the causes that matter most to you while ensuring your contributions fit with your overall financial plan.

Personalized Coaching

When it comes to financial planning for small business owners, we’re in it for the long game. No matter what life or the market throws your way, we’ll walk you through it. We’ll work to manage risk and growth, while also keeping a clear eye on the bigger picture and your long-term goals.

Let’s connect! Reach out today and let’s talk about your goals.