For Business Owners
Turn business value into personal financial freedom
Your business is often your largest asset, yet it’s rarely integrated into long-term planning.
78%
OF BUSINESS OWNERS PLAN TO SELL THEIR COMPANY TO FUND 60–100% OF RETIREMENT
yet many are unaware of the business’s true value.
Planning around business income is common.
Planning around business value is essential.
A Wealth Vision™ helps bridge this gap
Wealth Vision™ integrates business value, personal wealth, and investment strategy into one coordinated plan. By aligning succession planning, risk management, and evidence-based portfolio design, we help business owners protect lifestyle, maintain control, and prepare for transition with confidence.
How it works
3-STEP LIFESTYLE-PROTECTION FRAMEWORK
Wealth Vision Assessment
We begin by clarifying your aspirations and identifying the role your business plays in achieving them — evaluating personal assets, business value, and long-term priorities through the lens of the 5Ws.
To establish your Wealth Vision, we start with five simple questions:
- Who are you investing for?
- Where should your assets be held?
- When will you need your money?
- What are you investing to achieve?
- Why does it matter?
Defining these answers help us better understand what matters most to you—so we can shape a strategy that aligns with your goals, timeline, and overall wealth vision.
Perform Business Valuation and Establish Lifestyle Return Benchmark
Using an accurate business valuation and your lifestyle objectives, we establish your Lifestyle Return Benchmark™ — the rate of return required to support your desired standard of living and future transition goals.
The LRB process converts your lifestyle goals and aspirations into your personalized rate of return objective. Additionally, it establishes your customized rate of return benchmark, which is far more meaningful to you than a random benchmark, like the S&P 500, which is unrelated to your situation and has little bearing on your financial circumstances.
We establish your LRB through our proprietary required rate of return (RRR)process. Each year we compare your LRB with your portfolio’s actual return to ensure you are progressing in the right direction. If your portfolio is not on track, we reevaluate your plan and make the necessary economically possible adjustments. Moreover, we educate you on the other available options you have to stay on course.
We have a process to increase your business’ market value.
Build Your Wealth Vision Portfolio
We build a disciplined, evidence-based portfolio aligned to your Lifestyle Return Benchmark™, balancing growth, income, and protection while integrating the risks and opportunities embedded in your business.
Our portfolio construction process integrates with your financial plan to form a customized mix of risk-on and risk-off assets, beginning with your Investment Policy Statement (IPS).
Our objective is true wealth accumulation, preservation, and distribution through sensible, thoroughly tested practices that aim for market-like returns with reasonable risk. The goal is to build a portfolio that aims to achieve your lifestyle return benchmarkTM (LRB) with minimal risk.
To accomplish your objectives, we use a proprietary mix of prudent investment strategies— conservative, moderate, or aggressive based on your unique circumstances—along with the value of your real estate and business assets. Annuities and insurance can also play an important role in a broadly diversified portfolio to buffer sudden shocks and unexpected perils.
PORTFOLIOS
Portfolios supporting life beyond your business
STAY INFORMED
Insights, Guides & Advisor Resources
Featured Guides and Books
- Books
This is one of the best books about 401(k)s you can possibly read. Whether you’re a plan sponsor and want to start a high-quality 401(k) plan for your business, or you’re a participant in a 401(k) and want to know how to build your retirement funds, this is the book you should read.
This is one of the best books about 401(k)s you can possibly read. Whether you’re a plan sponsor and want to start a high-quality 401(k) plan for your business, or you’re a participant in a 401(k) and want to know how to build your retirement funds, this is the book you should read. Most books about 401(k)s only provide the facts, and don’t deliver the gems of knowledge and the pearls of wisdom that come from over two decades of prudent counsel and pragmatic experience. The author is credentialed in eight different business disciplines and experienced with the full range of financial planning situations. If you’re a business owner, or an executive in charge of researching 401(k) information for your company, this book will give you more than the basics.
- Books
As a business owner, this material is extremely valuable because it divulges the information needed to position your business for eventual sale.
As a business owner, this material is extremely valuable because it divulges the information needed to position your business for eventual sale. Most business owners do not sell their business but abandon it, leaving their opportunity for additional wealth and prosperity behind. Though you may be an expert in your niche, this book provides information you may not know that will help you learn how to gauge the true value of your business, saving you from building toward an unfortunate surprise when the time comes to sell. A key tenet of this book is that you don’t know what you don’t know…and this information, now revealed, may help you see your business and its market value through the eyes of a certified valuation analyst whose profession is to conduct business valuations and guide clients toward the rewards of “Getting to Sold!” (300 pages.)
- Books
A better approach to buying and selling real estate!
A holistic approach that considers current real estate investment strategies in combination with overall financial future goals.
A better approach to buying and selling real estate!
A holistic approach that considers current real estate investment strategies in combination with overall financial future goals.
While accidental investing has worked for many, there is a wide range of real estate investment opportunities that many are unaware of. Discover an array of real estate investment strategies from sole ownership to real estate investment trusts (REIT’s), multi-family residential and more. You will learn how to determine which strategy is in your best interest and aligns with your financial goals.
Written by an experienced leader in both the Financial Planning & Real Estate Investment industries. Joseph Maas has over 30 years of unique experience serving the financial and real estate needs of private clients, financial advisors, businesses and trusts. He is a trusted mentor and favorite speaker, with ability to explain complex concepts in easy to understand terms.
- Service Brochures
This essential guide can help you go independent, grow your business, and achieve more professional joy that comes with serving your clients well.
What is a Wealth Vision?
The “retirement gap” is a persistent issue where people lack enough money for their later years. Unfortunately, this problem is becoming more severe as the gap between people’s financial goals and their actual situation widens.
The purpose of a Wealth Vision is to provide a clear vision to help you reach your wealth target.
First, we consider the five Ws: Who, What, Where, Why, and When. Determine who you are investing for, what is important about money to you, and where your assets should be located. Understand why you are investing and when you will need your money.
Latest Insights
Timely perspectives on markets, strategy, and wealth planning.
Investing Beyond the One-Size-Fits-All Portfolio
The Real Measure of Wealth
Business Valuation Assessment
Let’s Talk
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Suite C8-321
Vancouver, WA 98684