Your business priorities.
Your personal priorities.
Your family priorities.

Your S&W wealth pathway will  acknowledge the interrelationship between all aspects of your life to maximise your financial potential.


Owning a business can be a challenging yet rewarding experience. Aside from the day to day management of the business, it's also important to plan for the future and invest any profits wisely. We know you've got your business plan covered. It's our job to assist you in preparing for and managing the money you make in your business so that it meets the needs of your personal and familial priorities over the long term. Should you pay off debt, expand the business or diversify into other income producing assets? Do you have the right structures in place to distribute your profits and any sale of the business tax effectively? 


Its time to develop a strategy that will help maximise your wealth, protect the interests of your family and generate additional income.  

Wealth planning through the 4 stages of your business >>

The “formation phase” of a business’s strategic life cycle can be one of its most challenging. Business owners usually need to address a web of complex commercial, legal and financial decisions as they assemble the foundations upon which their ventures will ultimately be established.

formation stage

Assembling your advisory team

The key to a strong advisory team rests not only upon the practical skills and expertise of its members but also in the team’s ability to work together as a cohesive and responsive unit.

Selecting a business structure

The choice of business structure is a critical strategic decision, with wide-ranging impacts including: the manner in which profits will be taxed; the degree of creditor protection afforded owners; and the range of exit strategies that will ultimately be available.

Reviewing your trust and estate planning needs


Plan for the following benefits:

  • Lower estate tax burdens

  • Lower gift tax burdens

  • Greater wealth planning flexibility during the lifetime of the business

  • Fewer barriers during the “exit” phase

  • Increased likelihood of achieving their personal and familial wealth goals

  • Suitable insurance coverage

  • Creditor protection

The growth stage

In many cases, the growth phase of the strategic life cycle of business ownership is characterized by a convergence of business, personal and family challenges. Wealth planning considerations during this stage of your business should include:


  • Assembling a “business growth”advisory team

  • Analyzing applicable trust and estate plans

  • Planning for unforeseen events (e.g., divorce, illness)

  • Aligning business, personal and familial priorities

  • Developing an integrated wealth management plan


Although the growth phase of an entity’s life cycle can span years or even decades, business owners should use this time to carefully lay out the foundation for transitioning the enterprise. The three most common exit strategies include:


Selling the business​

Exiting via an Initial Public Offering (“IPO”)

Transitioning the business to family members

the transitional stage

For many entrepreneurs, their business is the largest asset that they own. A failure to align the sale of a business or its transition to family members with your personal estate plan could potentially undermine the wealth-creation and preservation opportunities afforded by the transaction. We can assist with developing financial strategies to exit your business​.

Early stage transition

  • Develop a clear rationale for selling (considering short- and long-term goals)

  • Review the ownership structure and asset titling of business interests

  • Obtain a business valuation

  • Assess the firm’s marketability

  • Examine personal goals and business strategies (e.g., following a sale, will the business owner seek to remain involved in the business?)

Mid stage transition

  • Assemble a team of internal and external advisors to assist with the transaction

  • Analyze all facets of the business for legal, risk, compliance and operational soundness

  • Conduct an internal financial audit in preparation for similar due diligence by a potential buyer

  • Determine the type, timing and structure of a sale

  • Optimize personal estate planning/trust structuring strategies

  • Contemplate negotiation strategies in advance of a transaction

Late stage transition


  • Repair any business controls, processes, etc. that may be deficient

  • Assess the type of buyer to target (e.g., a buyer focused upon product synergies vs. pure profitability)

  • Identify potential buyers

  • Develop a sales plan to formally market the business

  • Assess personal cash flow needs following a transaction

  • Evaluate personal investment plans and strategies (in preparation for post-sale planning)

Post exit stage

Our tailored wealth management approach allows business owners to align this period in the strategic life cycle of their businesses with their corresponding wealth management plans. This is time to:


  • Understand your wealth

  • Understand your risk tolerance

  • Understand your financial personality

  • Organize your wealth and your plans for intergenerational wealth transfer

  • Invest your wealth in line with your values and goals