Wealth Planning

The Modern Wealth Management Playbook for Business Owners

by Sequoia Financial Group

February 6, 2026

Building a business takes vision, grit, and the courage to make decisions others won’t. But creating lasting wealth as a business owner may require a different kind of playbook; one that integrates your personal finances, business strategy, tax plan, and long-term goals into one coordinated system.

At Sequoia Financial Group, we specialize in the unique financial needs of entrepreneurs, founders, and privately held companies. Because we work with business owners regularly, we bring an unparalleled depth of insight, proactive strategy, and a client experience built around the realities of ownership, not theory.

Whether you’re scaling, stabilizing, or preparing for an eventual transition, modern wealth planning isn’t about scattered decisions. It’s about alignment, and a partner who understands the pressures and possibilities of ownership.

1. Integrate Personal and Business Planning

Your personal and business finances are inseparable, yet many owners still plan them independently. The potential result: inefficiencies, missed opportunities, and avoidable risk.

A modern wealth plan may help you:

Coordinate income, distributions, and compensation
Balance reinvestment with personal financial independence
Build liquidity without disrupting operations
Adapt your plan as your business evolves

Research shows that integrated planning improves long-term financial outcomes and decision quality for owners.¹ Sequoia’s advisors specialize in unifying both sides of your financial life so your business becomes the engine that accelerates your future and not the anchor that limits it.

2. Increase Tax Efficiency at Every Stage

Taxes are often the largest controllable expense for business owners, and a proactive strategy can meaningfully influence long-term wealth.²

With tax strategists and estate planners, Sequoia can help you:

Strategically time income and distributions
Evaluate tax-advantaged compensation plans
Implement charitable and estate-planning approaches
Prepare early for liquidity events to reduce surprises

Our multidisciplinary model ensures your CPA(s), attorney(s), and Sequoia advisor work in sync, helping you keep more of what you’ve built.

3. Prepare for Growth, Transition, or Exit

Whether you’re planning internal succession or a third-party sale, transition planning should begin well in advance of an offer. Owners who plan early may achieve stronger valuations and smoother exits.³

A robust wealth playbook may include:

Business valuation benchmarking
Contingency and risk-management strategies
Internal/external succession planning
Exit readiness and cash-flow modeling

Sequoia Financial Group has guided countless owners through successful transitions with clarity, confidence, and a proven roadmap.

4. Invest with Purpose and Discipline

Your business is already a concentrated investment. Your personal wealth strategy should counterbalance that risk, not amplify it.

Sequoia’s investment research team helps owners:

Build diversified, tax-efficient portfolios
Implement direct indexing and tax-loss harvesting
Align investment strategy with liquidity events

Disciplined, personalized investing helps protect your family’s long-term financial resilience.

5. Protect What You’ve Built

Entrepreneurship comes with inherent risk, but unmanaged risk is optional.

Modern wealth strategies include:

Insurance and liability analysis
Asset-protection structures
Retirement plan design
Family governance and legacy planning

Sequoia Financial Group works to see that every aspect of your personal and business ecosystem is protected, coordinated, and future-ready.

Ready to Transform Your Wealth Strategy?

Sequoia Financial Group exists to help business owners make smarter, more confident decisions at every stage of ownership.

Let’s build a playbook that’s truly Built For You.

Contact Sequoia Financial Group to get started.

Sources:

Fidelity Investments, “2023 Fidelity Small Business Owner Study,” demonstrating the value of integrated personal–business planning.
https://newsroom.fidelity.com/pressreleases/fidelity-study–despite-concerns-about-the-future–two-thirds-of-small-businesses-do-not-currently-o/s/72432825-233e-4a33-a470-3bed305b2f04
IRS, “Tax Statistics for Small Business,” showing taxes as a significant controllable expense.
https://www.irs.gov/statistics/soi-tax-stats-business-tax-statistics
Exit Planning Institute, “State of Owner Readiness Report,” highlighting improved outcomes for owners who plan transitions early.
https://exit-planning-institute.org/2023-national-state-of-owner-readiness

The views expressed represent the opinion of Sequoia Financial Group. The views are subject to change and are not intended as a forecast or guarantee of future results. This material is for informational purposes only. It does not constitute investment advice and is not intended as an endorsement of any specific investment. Stated information is derived from proprietary and nonproprietary sources that have not been independently verified for accuracy or completeness. While Sequoia believes the information to be accurate and reliable, we do not claim or have responsibility for its completeness, accuracy, or reliability. Statements of future expectations, estimates, projections, and other forward-looking statements are based on available information and Sequoia’s view as of the time of these statements. Accordingly, such statements are inherently speculative as they are based on assumptions that may involve known and unknown risks and uncertainties. Actual results, performance or events may differ materially from those expressed or implied in such statements. Investing in equity securities involves risks, including the potential loss of principal. While equities may offer the potential for greater long-term growth than most debt securities, they generally have higher volatility. Past performance is not an indication of future results. Investment advisory services offered through Sequoia Financial Advisors, LLC, an SEC Registered Investment Advisor. Registration as an investment advisor does not imply a certain level of skill or training.
The tax and estate planning information offered by the advisor is general in nature. It is provided for informational purposes only and should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Clients requesting tax return or estate preparation services are referred to a commonly-held affiliate, Sequoia Tax Services or a third party and not Sequoia Financial Group.
Investment strategies that seek to enhance after-tax performance may be unable to fully realize strategic gains or harvest losses due to various factors. Market conditions may limit the ability to generate tax losses. Tax-loss harvesting involves the risks that the new investment could perform worse than the original investment and that transaction costs could offset the tax benefit. Also, a tax-managed strategy may cause a client portfolio to hold a security in order to achieve more favorable tax treatment or to sell a security in order to create tax losses. Prospective investors should consult with a tax or legal advisor before making any investment decision.