As entrepreneurs themselves, our Wealth Management Professionals understand the gravity of the dynamic between your personal and business finances. We partner with you to help you simplify your life and provide freedom from the daily management of your money so that you can focus on your business. We offer the following tailored services:

  • Cash Management
  • Investment Management
  • 401(K) Group Plans
  • SIMPLE Retirement Plans
  • Exit Planning
  • SEP & 403(b) Plans
  • Profit Sharing Plans
  • Buy-Sell Agreements
  • Education

Knowledge Base: Your money, your family and your business. What every business owner should know.

Your Business Needs to do More Than Just Business

InVestra understands that your business needs to work for you, not the other way around. Let our Wealth Managers help you organize a strategy to help you pursue the goals for your operation.

Exit Planning

Business exit planning plays a pivotal role in the financial well-being and longevity of businesses. This strategic process involves careful consideration and meticulous preparation for the eventual transition of business ownership. InVestra’s Wealth Management Professionals specialize in guiding business owners through this complex journey, enabling their financial interests and objectives to be met. It encompasses a comprehensive evaluation of the company’s financial health, its market value, and the owner’s personal financial goals. We pride ourselves on delivering tailored solutions that align with your unique circumstances and objectives, ultimately allowing you to exit your business on your terms while safeguarding your financial future.

  • Business Valuation. InVestra begins by determining the true value of your business. This is crucial for setting realistic exit goals and understanding your financial standing. By conducting thorough business valuations, we commonly discover that clients’ businesses are worth significantly more than they initially estimate. This knowledge allows them to set higher financial expectations for their exits.
  • Exit Strategy Development. With a clear understanding of your business’s value, we work closely with you to develop a personalized exit strategy. We can help you decide between selling the business to a competitor, transitioning it to family members, or even franchising. By weighing the pros and cons of each option, you’ll be thoroughly equipped to make a choice aligned with your financial and personal goals.
  • Succession Planning. Succession planning is crucial for family-owned businesses. As Exit Planning specialists, we assist in identifying successors, whether they are family members or key employees. In one case, a client with a thriving retail business was preparing to retire. With our guidance, they successfully transitioned leadership to their daughter, enabling the business’s continued success and preserving the family legacy.
  • Value Enhancement. To maximize the value of your business, InVestra helps identify areas for improvement. By enhancing your company’s intellectual property portfolio and streamlining operations, we can significantly increase its attractiveness to potential buyers, ultimately leading to more lucrative exits.
  • Business Continuity Planning. In the event of unforeseen circumstances, such as illness or death, we help enable the continuity of your business. By establishing a robust business continuity plan, you can enable your company to be able to continue operations without disruption should you become absent unexpectedly.

The Benefit of an On-Staff Certified Exit Planning Advisor

InVestra believes that business exit planning is the cornerstone of financial health for both the business and its owner; the importance of having a well-structured exit plan cannot be overstated. It safeguards the financial stability of both the business owner and the company itself by proactively addressing succession, liquidity, and tax considerations. Our on-staff Certified Exit Planning Advisor (CEPA®) specializes in helping business owners position themselves to minimize risk and maximize the value of their business during a transition, planned or unplanned. Most importantly, having a solid exit plan in place allows for peace of mind, giving clients the confidence to navigate the next chapter while working to preserve their hard-earned wealth. Being a business owner herself, our on-staff CEPA, Erin D. Eiras, is passionate about this. She specializes in the following services:

Key Man Insurance

Key Man Insurance is a critical component of a comprehensive business plan, especially for firms with key individuals whose expertise, leadership, or relationships are integral to the company’s success. This specialized insurance provides financial protection in the event of the unexpected loss or incapacitation of a key employee or leader. Having a plan for Key Man Insurance is imperative as it provides continuity for business operations, minimizes financial disruptions, and safeguards the company’s long-term viability.

The importance of Key Man Insurance lies in its ability to mitigate the financial impact of losing a key person. In the absence of such coverage, businesses can face immense challenges, including liquidity crises, client loss, and decreased morale among employees. By having a plan in place, businesses demonstrate their commitment to risk management and protect themselves from unforeseen vulnerabilities. Key Man Insurance serves as a safety net, allowing companies to navigate through turbulent times while focusing on maintaining their competitive edge. In essence, it’s a strategic move that underscores the significance of talent and leadership in today’s business landscape.

Cash Management

Efficient cash management serves as the lifeblood of any successful business. It is with the utmost dedication that we collaborate closely with you to optimize your cash flow, thereby guaranteeing that your business maintains the necessary liquidity to capitalize on advantageous opportunities and navigate unanticipated challenges with resilience.

Investment Management

Prudent investment practices are of paramount importance when it comes to augmenting your business’s assets. Our comprehensive investment management services have been tailored to harmonize your business’s financial objectives with astute investment strategies. Whether the aim is optimizing your investment portfolio for maximum returns or implementing risk management measures, our team of specialists possesses the requisite knowledge and acumen to empower you and your enterprise. We are dedicated to helping your business not only survive but thrive through sound and strategic investment decisions.

401(K) Group Plans

The ability to attract and retain top-tier talent is indisputably pivotal for achieving sustained business success. With our carefully designed 401(k) Group Plans, you have the means to provide a compelling and competitive benefits package that encompasses retirement savings options for your esteemed employees. These plans are tailored to align with your company’s distinct needs and strategic objectives, ensuring that they seamlessly integrate with your overall compensation and retention strategy. By offering these customized retirement solutions, you not only enhance your business’s appeal to prospective employees but also fortify your capacity to retain and nurture the talent essential for your long-term growth and prosperity.

SIMPLE Retirement Plans

Simplified Employee Pension (SEP) and Savings Incentive Match Plan for Employees (SIMPLE) retirement plans are crafted with the explicit purpose of rendering retirement savings opportunities readily accessible to small businesses. Our dedicated support extends to aiding you in the seamless establishment of these highly cost-effective retirement plans, thereby conferring significant tax advantages upon both your business and your valued employees. These plans not only serve as a vehicle for safeguarding your employees’ financial future but also contribute to the overall financial well-being of your business by providing tax-efficient options for wealth accumulation and employee retention.

SEP & 403(b) Plans

The Simplified Employee Pension (SEP) and Savings Incentive Match Plan for Employees (SIMPLE) retirement plans have been thoughtfully crafted to render retirement savings opportunities attainable for small businesses. Our dedicated support extends to aiding you in the establishment of these highly cost-effective retirement plans, which in turn, bestow tax advantages upon both your business and your valued employees.

Profit Sharing Plans

Fostering a collaborative and highly motivated workforce by sharing the fruits of success with your employees is a strategic imperative. Our thoughtfully designed profit-sharing plans provide you with the means to allocate a portion of your company’s profits to your valued team members, thereby aligning their interests harmoniously with the overarching goals of your business’s growth and sustained profitability. This collaborative approach not only strengthens employee engagement but also contributes to the long-term prosperity of your enterprise.

Buy-Sell Agreements

Safeguarding the future of your business stands as an utmost priority. We specialize in the establishment of buy-sell agreements that meticulously delineate the conditions governing the purchase or sale of business interests. These agreements guarantee a seamless transition in the event of unforeseen circumstances.

Seeking business services from a Private Wealth Manager helps enable your business to be on a path to long-term success. At InVestra we are committed to helping you achieve your business goals. Contact us today to explore how our business services can make a meaningful difference for your company.

Let’s begin to build a plan for prosperity.