Where most people startCash flow, retirement, big decisions
ExploreFinancial planning
A written plan that ties your income, savings, retirement and big decisions to the life you want.
Written planCash flow and retirementReviewed every year
Business owners
Your business and
your life, one view.
For many owners the business is the largest thing they own. We plan with that in mind: how you are paid, how you save, and what happens when you step back.
Two sets of books, one planThe Grove approach
The business is
part of the plan.
Owners often keep two sets of books in their heads: the company’s and the family’s. Decisions in one quietly move the other, from how much you draw each year to who could take over.
Grove looks at both together. We work alongside your accountant and attorney, so tax and legal questions reach the person who should answer them.
What we look at
Where the work
goes in.
Four areas we cover in every business owners conversation.
Owner pay and cash
How much to take from the business, how much to leave in it, and how much to hold outside it.
Retirement plans for owners
The kinds of workplace plans a business can offer, and what each asks of you and your employees.
Concentration
When most of your wealth sits in one company, the rest of the plan has to carry more of the weight.
Succession and exit
Selling, handing on or winding down, and what each route could mean for your income and your family.
What you leave with
Clear outputs,
in writing.
- One view of business and household finances
- Scenarios for stepping back
- Questions for your accountant and attorney
- A timeline for the next few years
Questions we will ask
Come ready
to talk about.
- How much of what you own is tied to the business?
- Who could run it without you?
- When would you like to step back, and how?
- Do your employees have a retirement plan today?
Planned alongside
Connected
services.
Where most people start
Every account in viewPortfolios with a purpose
ExploreInvestment planning
Portfolio decisions tied to your goals, your timeline and the amount of risk you can live with.
Goal by goalRisk you can live withCosts explained
Your next step
Build on a steadier
financial footing.
Start with one focused conversation about what matters to you, what is changing and where a clearer picture would help.