Proactive Planning for Business Owners Who Want to Build Wealth, Not Just Pay Bills
Most business owners are stuck in reactive mode—filing taxes in April, scrambling when problems arise, hoping everything works out.
That's not strategy. That's survival.
Strategic planning means making intentional decisions about your taxes, your business structure, your protection, and your legacy—before you're forced to react. It's the difference between hoping things work out and knowing they will.
The Four Pillars of Strategic Planning
1. Tax Planning: Pay Less, Keep More
What you're dealing with:
- ❌ Tax bills that feel way too high
- ❌ Missing deductions and credits you don't know exist
- ❌ Wrong business structure costing you thousands annually
- ❌ Estimated tax penalties because you're guessing
- ❌ Making business decisions without understanding tax impact
- ❌ Only thinking about taxes in March (when it's too late)
What we solve:
- ✓ Entity structure optimization (LLC vs. S-Corp vs. C-Corp—the right choice saves thousands)
- ✓ Multi-year tax projections (know what's coming, not just what happened)
- ✓ Retirement contribution strategy (build wealth while reducing taxes)
- ✓ Income and expense timing (when you take income matters)
- ✓ Tax credit identification (finding money you didn't know existed)
- ✓ Estimated payment guidance (avoid penalties, manage cash flow)
- ✓ Year-round partnership (we plan in January, June, October—not just April)
Your new reality: You know—with certainty—that you're paying the minimum legally required. Not a dollar more.
2. Business Consultation: Make Smarter Decisions
What you're dealing with:
- ❌ Not sure if you're actually profitable or just busy
- ❌ Cash flow problems despite good revenue
- ❌ Pricing decisions based on gut feel, not data
- ❌ No clear plan for growth or scaling
- ❌ Hiring decisions made without financial modeling
- ❌ Guessing at whether to lease/buy, expand/contract, hire/outsource
What we solve:
- ✓ Profitability analysis (are you making money or running a hobby?)
- ✓ Cash flow optimization (revenue ≠ cash—we help you manage the gap)
- ✓ Pricing strategy review (charge what you're worth, backed by numbers)
- ✓ Growth planning and financial modeling (what happens if you hire? expand? acquire?)
- ✓ Financial decision support (call us before you commit, not after)
- ✓ KPI tracking and dashboards (know your numbers in real-time)
- ✓ Multi-state expansion strategy (where to grow, where to avoid)
Your new reality: Every major business decision gets vetted for financial impact before you commit. No more expensive mistakes.
3. Protection Strategies: Safeguard What You've Built
What you're dealing with:
- ❌ Personal and business finances are blurred (legally risky)
- ❌ Not sure if your entity structure actually protects you
- ❌ Hoping your insurance is adequate (but not really knowing)
- ❌ Vulnerable to lawsuits, creditor claims, or personal liability
- ❌ No asset protection plan in place
- ❌ Business and personal assets completely exposed
What we solve:
- ✓ Entity structure for liability protection (real protection, not just paperwork)
- ✓ Financial separation strategies (clean boundaries = legal safety)
- ✓ Risk assessment and mitigation (identify vulnerabilities before they become problems)
- ✓ Insurance needs analysis (right coverage, no over-insuring)
- ✓ Asset protection planning (protect what you've worked for)
- ✓ Operating agreements and governance (partnership protection)
- ✓ Compliance systems (payroll, sales tax, contractor reporting)
Your new reality: What you've built is protected. Your family is protected. You sleep better.
4. Legacy Planning: Build Generational Wealth
What you're dealing with:
- ❌ No succession plan (what happens to the business if something happens to you?)
- ❌ No clear exit strategy (how do you get out when you're ready?)
- ❌ Estate taxes that could wipe out 40%+ of what you've built
- ❌ Family wealth transfer with no structure or plan
- ❌ Business value trapped with no liquidity strategy
- ❌ Next generation unprepared to receive or manage wealth
What we solve:
- ✓ Business succession planning (exit on your terms, not by force)
- ✓ Exit strategy development (5-year runway to maximize after-tax proceeds)
- ✓ Estate and gift tax coordination (minimize tax, maximize transfer)
- ✓ Generational wealth transfer strategies (trusts, foundations, structured giving)
- ✓ Buy-sell agreements (protect partnerships and families)
- ✓ Charitable giving optimization (impact + tax benefits)
- ✓ Business valuation and sale preparation (get maximum value)
Your new reality: You have a clear path to exit. Your family is taken care of. Your wealth outlives you.
What's Included in Strategic Planning
When you work with Ardigee for strategic services, you get a comprehensive financial partnership:
✓ Comprehensive strategy development across all four pillars
✓ Year-round partnership (monthly or quarterly touchpoints, depending on your needs)
✓ Tax return preparation (business + personal, all entities—included)
✓ Year-end planning sessions (October/November, when you can still act)
✓ Multi-year projections (3-5 year roadmap for taxes and growth)
✓ Business decision support (call before you make big moves)
✓ IRS audit representation (we stand behind our work)
✓ Unlimited email and phone support (quick response, not days of waiting)
✓ Proactive outreach (we call you when opportunities arise)
PLUS: FREE Tax Strategy Snapshot ($295 value)
Every strategic planning client receives a comprehensive snapshot with specific, actionable insights on deductions, timing, structure, and opportunities unique to your situation.
How We Work Together
Phase 1: Discovery & Analysis
We dive deep into your complete financial picture—tax history, business operations, structure, protection gaps, and long-term goals.
Phase 2: Strategic Plan Development
We build your custom roadmap across all four pillars with specific recommendations, projected impact, and clear implementation timeline.
Phase 3: Implementation Support
We don't just hand you a plan—we help execute. Entity changes, account setups, documentation, vendor coordination.
Phase 4: Ongoing Partnership
Regular check-ins, year-end planning, tax preparation, decision support, and proactive strategy adjustments as your business evolves.
Real Transformations Across All Four Pillars
Tax Planning + Business Consultation
Marcus ran a $220k consulting business as a sole proprietor.
Problems: Overpaying self-employment tax, no retirement strategy, making decisions without financial modeling.
Solutions: Converted to S-Corp, implemented Solo 401k, optimized salary/distribution, set up quarterly financial reviews.
Transformation: Saving $12,000/year in taxes, contributing $38,000/year to retirement, making data-backed growth decisions.
Protection + Legacy Planning
David owned a $2.8M manufacturing business, planning to exit in 3-5 years.
Problems: No exit strategy, personal/business finances intertwined, would owe $560k in capital gains, no succession plan.
Solutions: Built 5-year exit roadmap, restructured entities, created QSBS pathway, developed family wealth transfer plan.
Transformation: Projected tax savings of $280k-$420k at sale, protected personal assets, clear succession to next generation.
Multi-State Business Consultation + Tax Planning
Lisa owned a $650k digital agency with clients in 8 states.
Problems: Multi-state confusion, penalty payments, cash flow issues, no growth plan.
Solutions: Clarified nexus requirements, optimized state filings, implemented cash flow system, modeled expansion strategy.
Transformation: Saving $8,900/year in taxes, eliminated $2,200 in penalties, clear roadmap for scaling to 15 states.
Who Strategic Planning Is For
You're ready if:✓ Business revenue is $200k+ (or household income $100k+)
✓ You feel like you're paying too much in taxes
✓ You're making important decisions (hiring, expanding, acquiring, exiting)
✓ You have multiple entities, properties, or income sources
✓ You want protection for what you've built
✓ You're thinking about exit, succession, or legacy
✓ You want a financial partner, not just a tax preparer
This isn't for you if:✗ W-2 income only with standard deduction
✗ Household income under $75k
✗ You want the cheapest option
✗ You're happy with reactive, DIY filing
Strategic Services vs. Tax Preparation
Traditional Tax PrepStrategic PlanningMeet once a year (March)Year-round partnershipRecords what happenedPlans what should happenTax compliance onlyTax + business + protection + legacyReactive problem-solvingProactive strategy buildingMinimize this year's billMinimize lifetime burdenYou call when you need helpWe call when opportunities ariseTransactional relationshipLong-term partnership
Common Questions (Honest Answers)
"How much does strategic planning cost?"
It depends on complexity—entities, revenue, states, industry needs. We provide custom quotes after understanding your situation in a free consultation. What we can tell you: clients consistently save multiples of our fee. This is an investment that pays for itself.
"What if I already have a CPA?"
Does your CPA call you mid-year? Plan year-end moves in October? Help with business decisions in June? Many CPAs are excellent at compliance. We specialize in proactive strategy. Sometimes we work alongside CPAs, sometimes clients consolidate with us.
"Can I get just one service (like tax planning without legacy planning)?"
Yes. We customize based on your needs. Some clients need all four pillars, others start with tax planning and business consultation. We'll recommend what makes sense for your situation.
"How do I know it's worth it?"
We'll tell you in the free consultation. If we can't deliver significant value above our fee, we'll be upfront. We're not here to take your money if we can't transform your financial situation.
"What if my business is growing fast?"
That's exactly when strategic planning matters most. Growth without strategy leads to expensive mistakes. We help you scale smart—right structure, right timing, right protection.
"Do you handle audits?"
Yes. IRS representation is included for returns we prepared and strategies we recommended. We stand behind our work.
Ready to Build Strategically?
Book Your Free Strategy Consultation
Here's what happens:
- We review your current situation (taxes, structure, protection, goals)
- We identify immediate opportunities (things you could do right now)
- We explain how strategic planning would work for you
- We answer all your questions (including investment details)
- You decide if it's a fit (zero pressure)
You'll walk away with 2-3 actionable ideas whether you hire us or not.
Questions? Call 614-858-8672 or email service@ardigee.com
