We serve Business Owners
Wealth Management for Business Owners
You’ve built a thriving business, but success brings complexity: taxes, risk, liquidity, and the question of what’s next. At Monument, we guide business owners to help you make the most of what you’ve built and plan your next chapter.
Why Business Owners Choose to Work with Monument
Coordinate Business and Personal Finances
Your business & personal life are deeply intertwined. We help you:
- Transfer value from your business to your personal portfolio, strategically
- Identify tax-smart retirement savings strategies to diversify assets outside your businesses
- Develop a cash strategy to manage your risk in the event of an unexpected exit
Plan for a Future Business Exit
- Understand the personal financial impact of a business sale or recap
- Model exit scenarios across different timelines and structures
- Coordinate with your legal and tax team to prepare in advance
Build Tax-Efficient Strategies
As a business owner, your tax picture is unique. We’ll help you:
- Explore tax-efficient strategies like direct indexing
- Strategize for deductions, deferrals, and distributions
- Plan proactively for liquidity events and quarterly tax payments
Invest with Purpose
- Design your custom investment portfolio according to our investment philosophy
- Manage concentration risk with thoughtful asset allocation
- Align liquidity, growth, and risk preferences to your bigger vision
Protect What You’ve Built
- Insurance reviews (key person, liability, disability, umbrella)
- Contingency planning for business continuity
- Coordinating business succession with estate and legacy plans
Prepare the Next Generation
- Clarify your intentions and legacy goals
- Educate heirs on financial responsibilities
- Structure wealth transfer with clarity and care
Make Strategic Giving a Reality
- Use charitable vehicles like Donor-Advised Funds, Charitable Remainder Trusts, or gifting strategies
- Align giving with tax planning and liquidity windows
- Build a legacy of impact
Monument is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice.
Connecting Your Financial Life
To help you move through your biggest transitions with confidence, we want to deliver clarity and connection to every part of your financial world. That includes collaborating and connecting you with a network of seasoned professionals such as:
M&A Advisors, Business Brokers, Valuation Experts
CPAs andTax Strategists
Estate Planning Attorneys
Family Business Consultants
Insurance and Risk Specialists
Philantropic Advisors
Don’t Let Complexity Derail What You’ve Built
- Help you make high-impact financial decisions
- Translate liquidity events into long-term optionality
- Give you confidence in your next move—whether it’s growing, exiting, or taking a break
We don’t overwhelm you with details. We synthesize the complexity, surface the top options, and recommend what’s next—with clear rationale. You get the confidence to act decisively, knowing we’ve looked under every rock.
Monument’s Leadership Team
mini Case study
How Far Will the Money Go?
When Chuck and Kelly Presner considered selling the consulting firm they’d built, they wanted certainty.
Would an offer be enough to retire early, build their dream home, fund college for their kids, and give back?
Chuck’s goal was to feel confident accepting or declining an offer when one came in. To do that, he needed to know how much he needed to make from the sale to meet his family’s financial goals.
Now in their early 40s, the couple worked with Monument for a year and a half to pinpoint exactly what the proceeds of a sale would need to cover.
We helped them:
- Model their real spending, housing costs, and retirement income needs to set a clear financial target
- Run Monte Carlo simulations to stress-test thousands of market outcomes
- Fulfill Chuck’s $150,000 pledge to his alma mater with appreciated stock, avoiding capital gains
- Design a portfolio to immediately replace Chuck’s salary with investment income
When a $12 million offer came through—leaving $5 million after taxes—Chuck and Kelly accepted with confidence.
Today, they’re moving forward with clarity: breaking ground on their home, funding education, and supporting causes they care about.
Please Note: Limitations: The above is a hypothetical scenario not involving an actual Monument Capital Management, LLC (“Monument”) client. It illustrates the hypothetical experience of a fictitious client based on a scenario that an actual client might experience. The scenario is designed to help illustrate how Monument might provide services to similarly situated clients. Keeping in mind that no two clients, situations, or experiences are exactly alike, the above should not be construed as an endorsement of Monument by any of its past or current clients, nor any assurance that Monument may be able to help any client achieve the same satisfactory results. To the contrary, there can be no assurance that a client or prospective client will experience a certain level of results or satisfaction if Monument is engaged, or continues to be engaged, to provide investment advisory services. A copy of our current written disclosure Brochure discussing our advisory services and fees continues to remain available upon request or at monumentwealthmanagement.com/disclosures
Your Wealth Strategy— Centered Around Purpose
We help you steward your success with wisdom and clarity—transforming your wealth into impact across generations. Whether you’re preparing heirs, assisting aging parents, or crafting your giving strategy, Monument helps you plan for a smooth wealth transfer, making sure your wishes and wealth intentions are honored.
Built something you’re proud of? Let’s keep going.
The value you’ve created in your business is only part of the story. We help you turn that success into freedom, optionality, and lasting impact.
Make Life Option Rich™
