Small Business Planning
- Cash Flow Management: Help manage and optimize cash flow, ensuring the business has enough liquidity for daily operations and growth opportunities.
- Succession Planning: Guide business owners in planning for an exit strategy, whether through selling, passing on to heirs, or merging with another company.
- Investment Advice: Provide advice on investment options for both personal and business wealth, helping owners grow their assets while mitigating risk.
- Risk Management: Identify potential financial risks and recommend strategies, including insurance and diversification, to protect the business from unforeseen events.
- Debt Management & Financing: Offer guidance on managing business debt and securing financing for expansion, equipment purchases, or other business needs.
- Employee Benefits Planning: Develop retirement plans for the business owner and employees, including options like 401(k)s, SEP, & Simple IRA as well as healthcare & life insurance options that attract and retain talent while being financially viable for the business.
- Business Valuation: Help determine the value of the business for potential buyers, investors, or internal decision-making purposes.
- Personal and Business Financial Integration: Help owners balance and manage their personal and business finances effectively, avoiding potential conflicts and ensuring overall financial well-being.
Employer-Sponsored Retirement Plans
Employee sponsored retirement plan investments typically represent a sizable portion of a client’s investable assets.
Because we are a Registered Investment Advisory (RIA) firm, we can provide investment management advice for these investments for a fee. Our sophisticated software allows us to integrate these retirement accounts into a consolidated report.
This allows us to better help you with the big picture.
For our self-employed or business owner clients, we also assist in the selection and management of new retirement plans.
Employee Equity Compensation
Many employees receive equity compensation as a supplement to their salaries. This can include incentive stock options and nonqualified stock option plans, restricted stock, and employee stock ownership plans.
We provide assistance to help executives manage complex equity compensation packages.
Mergers & Acquisitions
Determining the true value of a company can be a daunting task. Mergers and acquisitions can take a long time to market, negotiate, and ultimately close the deal.
This should not stop you from achieving your dream goal whether it’s becoming your own boss, expanding an already thriving business, or building a succession plan to ensure your business’s future is in good hands.
At Nikulski Financial, our Certified Financial Professionals have the expertise and know-how to help you navigate these challenges to ultimately help you achieve your goals.
