Business Planning

Many business owners find their professional interest and personal wealth are inextricably linked, especially when it comes to succession and liquidity. Who will succeed you in your business? If one child takes the helm, how will you treat the others fairly. How will you protect and, in retirement, profit from a business you’ve worked so hard to build? How do you extract the most value from your company?

With access to a team of professional consultants, we work with you on the following important business planning issues:

Executive Compensation

Non-qualified deferred compensation and other executive bonus programs can help your business attract and retain high-caliber talent. We can show you how these and other plans have the potential to benefit both you and your company.


We can identify life insurance and other risk management products for you and your top executives, outlining how they can protest your company as part of key-person arrangements.

Group Health Insurance / HSA Accounts

Through the use of Partial Self-Funded plans and HSA complimented plans we’ve been able to assist business owners reduce costs, while improving benefits. Visit our Group Benefits section for more details.

401(k) Plans / Pensions / Defined Benefits

As business owners, we all have enough risks in our day-to-day actions. Our firm is uniquely positioned to keep plan Trustees in compliance with Pension legislation. As an Accredited Investment Fiduciary ® (AIF), Mr. Romero represents his thorough knowledge of and ability to apply the Global Fiduciary Standard of Excellence.  Visit our 401(k) section for more details.


From buy-sell agreements to management succession plans, we offer practical options for your business, including cost-efficient succession funding. We can also present solutions for how to equitably treat family members who don’t have a role in your company.

Exit Strategies

For many business owners, ensuring a smooth transition when retiring is only half the battle. The other half is obtaining the most from your business for your retirement and estate. We can develop strategies designed to meet your specific requirements.

Because issues of wealth preservation and transfer are intertwined between business and home life, the need for thoughtful planning is crucial. We can help you sort through the complexities, taking into account the personal considerations involved.

No information provided on this site is intended to constitute an offer to sell or a solicitation of an offer to buy shares of any security, nor shall any security be offered or sold to any person, in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under securities laws of such jurisdiction. Registered Representatives of LPL Financial disclosed on this site may only discuss securities or transact business with persons who are residents of the following states: AZ, CA, CO, CT, FL, GA, ID, IL, IN, MN, MS, NE, NM, NV, NY, OH, OR, PA, RI, SC, TN, TX, UT, VA, & WA

Daniel Romero, Melissa Levin and Greg Levin are Registered Representatives with and offer Securities, financial planning & fee based asset management through LPL Financial LLC a Registered Investment Advisor and Member FINRA/SIPC. Daniel’s CA Insurance Lic #:OC54180 - Melissa’s CA Insurance Lic #:0C56086 - Greg’s CA Insurance Lic #:0F08519

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ Practitioner, which it awards to individuals who successfully complete initial and ongoing certification requirements.