Financial Planning for Business Owners
Balancing Business & Personal Goals
What We Do
Aligning Your Business and Personal Finances
Entrepreneurs often devote their time and resources to building a thriving business, leaving little room to focus on personal financial security. At Cremé Wealth, we specialize in financial planning for business owners that integrates your personal goals—such as retirement, family protection, and long-term wealth—with your company’s growth strategy.
Our Plano-based advisors help owners across North Dallas create harmony between business operations and personal planning. From structuring income efficiently to reinvesting profits wisely, we help ensure your success in business translates into financial independence at home.
Succession & Exit Planning
Every owner eventually faces the question: what’s next? Whether you intend to sell your business, pass it to family, or transition into retirement, Cremé Wealth helps you develop a comprehensive exit plan that supports your financial goals.
Our advisors coordinate succession strategies that account for taxes, timing, and income needs after transition. This planning ensures your business legacy continues while securing the retirement lifestyle you’ve worked for.
Business Cash Flow & Investing
Successful business owners often face a key decision: reinvest profits or build outside investments. We help evaluate both paths. Our advisors design structured cash flow and investment strategies that balance liquidity for operations with long-term personal wealth creation.
By coordinating with your accountant and banking partners, Cremé Wealth ensures your financial decisions support both business growth and personal goals—whether that means building retirement savings, funding college plans, or creating passive income streams.
Risk Management
Protecting What You’ve Built
Running a business comes with risk—from liability exposure to the potential loss of a partner or key employee. Cremé Wealth helps identify these vulnerabilities and recommends strategies to address them.
We coordinate with insurance specialists to evaluate life, disability, and business continuity coverage, including buy-sell agreements and key person protection. The goal is to keep your business stable and your family financially secure, no matter what happens next.
Business & Tax Coordination
Integrating Business Taxes with Personal Wealth
As part of our “family office for everyone” model, Cremé Wealth brings tax strategy and bookkeeping into your overall financial picture. We work closely with a trusted CPA partner to help you make informed decisions about deductions, retirement plan funding, and business structure.
This coordination reduces surprises, saves time, and helps ensure that your business and personal financial plans work together efficiently. It’s a smarter, simpler way for business owners in Plano to stay ahead.
Common Questions from Business Owners
I already have a CPA—how do you work together?
We collaborate with your CPA to ensure your personal and business finances stay aligned and tax-efficient.
Can you help if my income is unpredictable?
Yes. We design flexible financial plans that adapt to variable income and help manage cash reserves during leaner months.
What if I want to pass my business to family?
We guide clients through business succession planning and family meetings to prepare the next generation for ownership.
Do you advise on business investments?
Yes, as part of your overall financial plan, we evaluate business investment decisions and their impact on your long-term goals.
Partner in Your Success
The Financial Partner Every Business Owner Needs
Cremé Wealth acts as a trusted partner and strategic advisor for business owners across Plano and the greater North Dallas area. We coordinate every aspect of your financial life—from tax and investment planning to succession and estate strategy—so you can focus on running your business. With decades of experience and a strong referral network, our team helps entrepreneurs create clarity, continuity, and confidence in both their business and personal finances.