Business Planning
Financial planning for the people whose business is most of their net worth.
Business owners face financial planning challenges that go far beyond personal finance: succession, valuation, owner-employee retirement plans, exit strategy, and the constant integration of business and personal wealth. Alphaforge offers tools and advisory services tailored to the business owner's whole financial life.
Key components of business planning
Business Valuation. Establish a baseline and track it over time, even if you don't intend to sell soon.
Succession Planning. Plan for internal transfer, family transition, or third-party sale.
Owner Retirement Plans. SEP-IRA, Solo 401(k), defined-benefit, or cash-balance plans where appropriate.
Buy-Sell Agreements. Funded with insurance or other mechanisms so a co-owner exit doesn't destroy the business.
Tax Strategy. Entity selection, owner compensation structuring, and deduction planning.
Exit Planning. Multi-year preparation for sale, transition, or wind-down.
Owner Risk Management. Key-person insurance, disability planning, and business continuity.
Personal–Business Integration. Coordinate business and personal wealth as the single system they actually are.
The business planning process
Business and Personal Discovery
Both sides of the ledger matter equally.
Goal Alignment
Reconcile owner goals with business realities.
Strategy Development
Build a multi-year roadmap covering operations, exit, and personal wealth.
Implementation
Execute across legal, tax, insurance, and investment workstreams.
Ongoing Management
Re-evaluate annually and as the business evolves.
Planning with rigour, not ritual.
Most planning platforms ignore business owners or treat the business as an afterthought. We treat the business as the financial centre of gravity it actually is — and plan around it.
Related planning topics
Some features described on this page are in development. See Section 8 of our Terms of Service for the full forward-looking-statements disclosure.