From Complexity to Clarity: A Roadmap for Business Owners.

Flat-fee financial clarity for business owners who want control, confidence, and coordination—without sales pressure or AUM fees.

Guided by CFA® • CFP® • CEPA®
credentials.

Built for Business Owners.

Most Business Owners Are Not Ready—Even If They Think They Are.

73% of business owners plan to exit within a decade—but 70% of businesses don’t sell.
90% of owner wealth is trapped inside the business—often stranded without a plan.
Only 20–25% of owners are both financially and personally ready for transition.
Nearly 80% expect the sale of their business to fund retirement—yet most regret their exit.

Finally, Financial Advice That Speaks Business Owner

You’ve built your business. You juggle income, operations, employees, family, taxes, and everything else that comes with ownership. But when it comes to integrating your personal finances, business value, and long-term goals—it feels messy. Disconnected. Unclear.

Most of your net worth is locked inside your business. You’re focused on income today, not long-term enterprise value. And the gap between where you are and where you want to be? It nags at you.

That’s where we help.

At Adviso Wealth in Princeton, NJ, we help business owners cut through complexity, align business and personal wealth, and build financial clarity—without product sales, asset minimums, or sales pressure.

15+

Awards received

500+

Clients served

THREE OUTCOMES

We help business owners:

Make confident financial decisions—without second-guessing

Understand their walk-away number and business worth

Align business and personal finances to support their next chapter

What We Cover Together:

Business Exit & Succession Prep

Walk-Away Number & Valuation Context

Cash Flow & Compensation Strategy

Tax Optimization (entity structure, proactive planning)

Retirement Projections & Funding

Investment Guidance (Flat Fee, No AUM)

Risk Management & Insurance Review

Estate & Family Wealth Alignment (trusts, gifting, legacy)

Philanthropy & Impact Planning

Coordination with Your CPA, Attorney, and Estate Planner

Discover What Services
We Provide

Financial Clarity for Business Owners—Without the Sales Pitch

Business Owner Financial Readiness Program

Optional Ongoing Partnership (By Invitation Only)

Our Process: The Business Owner Wealth Deep Dive

In 90 Days, We’ll Help You Gain Absolute Clarity.

Business Owner Wealth Deep Dive

3 Meetings

You’ll walk away with:

Ongoing Partnership (Invite Only)

Annual Flat Fee
Ongoing Wealth Partnership (Invite-Only)
Annual Flat Fee | Proactive Planning + Investment Guidance

Includes:

Flat-Fee Investment Oversight (no AUM pricing)
Annual Tax Maps to Reduce Leakage
Business Valuation Tracking + Exit Prep
Family Wealth & Estate Alignment
Strategic Coordination with CPA/Attorney
Quarterly Check-Ins & Adjustments

Case Studies & Proof

Case Study #1: Growth-Focused Owner (Not Planning to Exit Yet)
Agency owner, $4M revenue, not thinking about selling.

Identified $60–80K/yr in tax savings opportunities using detailed tax projections and scenario planning
Reallocated $250K idle cash into a portfolio strategy aligned with business and personal goals
Built a personal balance sheet and walk-away framework to show how business value ties into personal wealth

Case Study #2: Five-Year Horizon Exit

Manufacturing founder, mid-50s, targeting exit in ~5 years.

Defined a walk-away number and mapped it against a range of possible business valuation scenarios
Modeled exit strategies (asset vs. stock sale, cash vs. earn-out) with after-tax outcomes
Identified value drivers to strengthen over the next five years (customer concentration, key-person incentives, cash flow systems)
Coordinated estate and tax planning updates to reduce leakage and align family expectations

Testimonials

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John Doe

You Don’t Need More Generic Advice. You Need a Specialist Who Gets It.

I’m Sweta Bhargav, CFA®, CFP®—an independent financial planner and business owner who’s helped clients navigate growth, transitions, and exits.

Unlike traditional advisors who sell products or only manage portfolios, I help business owners connect the dots between their business, family, and financial goals. No sales pitches. No AUM fees. Just clear, strategic thinking that’s built for complexity.

As an immigrant and entrepreneur, I’ve seen firsthand how hard you work—and how easily your wealth can be siloed or scattered without the right plan.

That’s what Adviso Wealth solves.