Financial Planning for Business Owners & Executives

Challenges we help you solve

Start with the question keeping you up at night.

Good planning begins with your real-world concerns—not a list of financial products. Select a challenge to see how we can help.

The problem

“Our retirement plan feels generic—and I’m not sure it is working for the business or our employees.”

How we help

We help you compare employer-sponsored plan designs—including 401(k), SEP IRA, SIMPLE IRA, profit-sharing, defined benefit, and nonqualified deferred compensation plans. We can model eligibility, coverage, and contribution scenarios; review investment choices and costs; and coordinate custody, recordkeeping, plan administration, and participant resources with your other plan professionals.

The problem

“We need a better way to attract and retain key executives.”

How we help

We help business leaders evaluate executive-benefit strategies—including split-dollar life insurance—that may reward key people, support retention, and provide benefits beyond the limits of traditional qualified retirement plans.

The problem

“Most of my wealth is tied up in my business.”

How we help

We coordinate your business and personal planning to help you build wealth outside the company, manage liquidity, and reduce the risk of relying on one asset for your financial future.

The problem

“My business and personal finances have become too complicated.”

How we help

We bring cash flow, investments, retirement plans, insurance, entity taxation, reasonable-compensation considerations, tax-loss harvesting, and personal goals into one coordinated strategy—then work with your CPA to evaluate planning opportunities such as retirement-plan design and applicable state pass-through-entity elections.

The problem

“I want to sell my business, but it is completely dependent on me.”

How we help

We help you identify the steps needed to decentralize the business—strengthening management, documenting key processes, and reducing owner dependency—so it can become more transferable and attractive to potential buyers.

The problem

“I want to sell someday, but I don’t know where to begin.”

How we help

We start early by organizing the questions that can shape an exit: entity type, ownership history, tax basis, potential QSBS eligibility, expected value, and timing. Then we model how sale structure, installment income, charitable planning, and multi-year tax exposure may affect what you ultimately keep.

The problem

“I don’t know who could take over my business.”

How we help

We compare family succession, management or employee transitions, and third-party sales—then coordinate ownership-transfer, beneficiary, liquidity, and tax considerations with your attorney and CPA.

The problem

“A major event could disrupt everything I’ve built.”

How we help

We help you prepare for the Five Ds—death, disability, divorce, disagreement, and distress—through coordinated continuity, liquidity, insurance, and buy-sell planning.

The problem

“My employees have valuable retirement and equity-compensation benefits, but many do not understand how to use them.”

How we help

We host customized educational seminars that turn complex benefits into clear, practical decisions. Topics can include retirement-plan contributions, traditional versus Roth savings, investment fundamentals, company stock, RSUs and stock options, diversification, taxes, beneficiary choices, and broader financial wellness—helping employees better understand and appreciate the benefits your company provides.

The problem

“I want to sell appreciated real estate, but the taxes and loss of income could disrupt my financial plan.”

How we help

We model the sale’s potential effect on capital gains, cash flow, portfolio concentration, and your ability to replace the property’s income. Coordinating with your CPA, attorney, and qualified intermediary when applicable, we can help evaluate whether reinvesting eligible gains in a Qualified Opportunity Fund, using a properly structured Delaware Statutory Trust interest as potential replacement property in a Section 1031 exchange, or building capital losses through tax-loss harvesting strategies may fit your broader financial plan. Each approach has distinct deadlines, eligibility requirements, costs, liquidity constraints, and investment risks; tax benefits are not guaranteed.

One coordinated plan

Your business plan and your life plan should work together.

Understand

We learn what you have built, what matters to you, and what could stand in the way.

Model

We evaluate your options and show how different decisions may affect your future.

Coordinate

We help align your personal plan, business strategy, and outside professionals.

Expanding our planning depth

Better coordination begins with asking better questions.

Our team is pursuing advanced education in estate-and-trust coordination and proactive tax planning—two disciplines that touch nearly every major financial decision.

Currently pursuing · CES™

Cort Barrett

Financial Advisor · Certified Estate & Trust Specialist™ candidate

Cort’s CES coursework is expanding the firm’s ability to identify estate-planning gaps and coordinate the people and financial details behind a plan—from property titling, beneficiary designations, and trust funding to business succession, incapacity planning, and post-death administration.

Explore the CES™ curriculum ↗

Currently pursuing · CTS®

Christine Sakraida, CFP®, CEPA®

Executive Financial Planner · Certified Tax Specialist® candidate

Christine’s CTS coursework is deepening the firm’s tax-aware planning across dividend and turnover drag, asset location, capital-gains management, tax-loss harvesting, Roth-conversion analysis, equity-compensation taxation, charitable giving, and multi-year tax projections.

Explore the CTS® curriculum ↗

Cort and Christine are currently pursuing these designations and may not use the CES™ or CTS® credentials until all certification requirements are completed. White Aspen Capital provides financial advice and coordinates with qualified attorneys and tax professionals; it does not provide legal advice, tax advice, or prepare tax returns.

Your next chapter starts with a conversation

What would need to change for your work to create more lasting value?

Let’s identify the next steps toward a stronger business, a more intentional compensation strategy, and a more confident financial future.

Schedule a complimentary discovery session ↗