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.
AS SEEN IN
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.
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
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:
- Your walk-away number & personal balance sheet
- Tax-smart compensation planning
- Business + personal coordination analysis
- Risk blind spots & legal-entity review
- A written action plan
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
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.