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Financial guidance for busy professionals
  • About
    • Differences
    • Pricing
    • Team
  • Services
    • Financial Planning
    • Investment Advisory
    • Insurance Solutions
  • Blog
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We help achieve your most important financial goals in alignment with relationships and values that matter most to you.

We work primarily with:

     // Small business owners and owners of professional practices;
     // Highly compensated professionals and executives; and

     // Recently retired, or soon-to-be retired individuals.

Our clients are committed to organizing their financial life and building a financial roadmap for their life's journey. Importantly, our clients demand that this process be done in an objective and transparent manner without sales pitch or hidden agenda. To this end, we provide holistic and unbiased financial guidance to our clients, and help them achieve their most important financial goals in alignment with people and values that matter most to them.

Your Financial Concerns


As a business owner, you find yourself diligently working in your business but not on your business nearly enough. You also have not found time to plan for and contemplate what your life might look like after you leave your business. You ask yourself questions like: How much is my business worth? Can I grow the value of my business so I can maximize its price? Will the net after-tax proceeds be enough to support my lifestyle I want after I walk away? What kind of lifestyle do I want anyway? And so on.

Or, as a highly compensated professional, you recognize the need to find ways to lower income tax, start saving for retirement and your children's education. Perhaps you are getting started in your career with a substantial student loan balance and about to take on even more debt with a plan to buy your first house and thinking about starting a family. Or, you may be established in your career, and you want to make sure you can retire comfortably while raising a teenager and paying for your child's college education and caring for your aging parents.

Perhaps you are nearing retirement. And thinking about spending down your nest egg while earning little or no income makes you nervous. You and your spouse have a family history of longevity, so you are concerned about outliving your money amid rising costs of living during retirement.

How We Help


As seasoned and credentialed advisors, we help address your unique financial concerns by providing personalized guidance and helping you achieve your most important financial goals in alignment with people and values that are most important to you.

We provide guidance in areas such as:


  • Planning for comfortable retirement
  • Saving for your children's college
  • Minimizing income tax on stock grants
  • Getting the most out of your employee benefits
  • Managing debts, like student loans and mortgage
  • Making your money last during retirement
  • Passing your estate to your heirs efficiently
  • Optimizing Social Security retirement benefits
  • Evaluating various Medicare options
  • Selling, transferring or otherwise monetizing your business
  • Managing a diversified, efficient investment portfolio
  • And other unique financial concerns
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Planning for You and
Your Family


Setting goals in alignment with people and values that matter most to you helps you plan with clarity and focus.

  • What kind of lifestyle do I want in retirement after I leave my business?
  • How much do I need to support that lifestyle?
  • Where, and how much, should I put away for my children's college tuition?
  • What provisions can I make to efficiently protect my family if I die or cannot work?
  • How can I arrange my finances so I can cut my tax bills?
  • Where, and how, should I invest my money to take advantage of my current income while I can?

Preparing for an Exit
from Your Business


Preserving and monetizing the value of your business directly and profoundly impact your ability to meet your life goals.

  • How much is my business worth?
  • Is my business prepared to be sold without leaving money on the table?
  • Are my employees and/or children up to the challenge of business ownership? Should I sell to an outside buyer?
  • Will I be able to maintain the lifestyle that I want after I walk away?
  • How can I keep my key employees from leaving to join competitors?
  • What would happen to the business and my family if I or my key employees die unexpectedly or are unable to work?

Managing Life After
Leaving Your Business


After leaving your business, you may experience a huge shift in both mindset and lifestyle without earned income or a business to run.

  • Can I afford to start another business, find work, or otherwise stay relevant?
  • Can I afford to be involved in more "meaningful" endeavors?
  • How long will my money last? Will I outlive my money by living too long?
  • How will I deal with rising healthcare and long-term care costs?
  • How do I optimize my Social Security and Medicare benefits?
  • How do I maximize what I leave to my heirs efficiently, but do so without spoiling them?
Advisory services offered through CS Planning Corp, an SEC registered investment advisor.
Insurance products sold separately from and independently of Cultivant LLC or CS Planning Corp.
Form CRS, Privacy Policy, and Additional Disclosures.

info@cultivant.com
206.486.8700 ext. 703
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  • About
    • Differences
    • Pricing
    • Team
  • Services
    • Financial Planning
    • Investment Advisory
    • Insurance Solutions
  • Blog
  • Contact