What is business planning for wealth advisory clients? Business planning integrates succession strategy, business valuation, lending coordination, retirement plan design, executive compensation, buy-sell agreements, and exit planning into a unified financial plan — connecting your largest asset to the rest of your financial life.
Most business owners pour everything into growing their company — but the financial planning around it often lags behind. At Rubiq, we work with entrepreneurs across the full arc of ownership: from formation and early-stage financing through growth, protection, and eventual exit. Every stage carries distinct planning opportunities that compound when coordinated properly.
We don't replace your CPA or attorney — we work alongside them. Rubiq serves as the hub that coordinates across your professional team, making sure everyone is aligned on your goals and no critical detail falls through the cracks.
Stage 1
Getting the financial foundation right from the start saves years of unwinding later. We help coordinate entity selection, ownership structuring, and early-stage financing — including SBA lending, conventional credit facilities, and capital planning — so your business launches with a structure that supports both growth and eventual exit.
Stage 2
As revenue scales, the planning complexity scales with it. This is the stage where qualified retirement plans — 401(k), profit sharing, cash balance, or defined benefit — become powerful tools for tax deferral and wealth accumulation. Executive compensation strategies, including deferred compensation and equity incentive plans, help retain key people and optimize the owner's total comp structure. We coordinate these decisions with your CPA to maximize the tax benefit.
Stage 3
A business that can't survive the loss of its owner isn't a business — it's a job. We review key-person insurance, buy-sell agreement funding, disability coverage, and liability structures to make sure the company and the family are protected. Buy-sell agreements need to be properly valued, adequately funded, and aligned with your estate plan — we coordinate all three.
Stage 4
Exit planning isn't something you start six months before a sale — it's a multi-year process of positioning the business, the tax strategy, and the owner's personal balance sheet for maximum after-tax proceeds. We coordinate succession planning, installment sale structures, and tax-efficient liquidity strategies. For qualifying small business stock, Section 1202 (QSBS) may allow founders to exclude up to $10 million in capital gains — but eligibility requires careful planning from the point of incorporation.
Valuation support powered by RISR
We use RISR, a financial-planning-focused valuation platform, to provide data-driven business value estimates, industry benchmarks, and succession planning insights — so you always know where you stand. Knowing your number isn't optional; it drives every exit, buy-sell, and estate decision.
Insurance as a planning tool — not a product pitch
We review life, disability, key-person, and liability coverage as part of your business plan — not to sell you a policy, but to make sure the right structures are in place. When gaps exist, we coordinate with trusted insurance specialists to fill them.
Questions we help you answer
What is my business actually worth — and is that number keeping pace with my goals?
Am I maximizing tax deferral through my retirement plan structure?
Is my buy-sell agreement properly funded and current?
Could my stock qualify for Section 1202 QSBS exclusion — and what do I need to preserve eligibility?
Are my CPA, attorney, and advisor all aligned on my exit timeline and tax strategy?