Business Owners & Entrepreneurs
Some of your most important financial decisions are tied to your business, and many shape both your company and your family’s future. We help you make them with clarity and a steady perspective.
Wealth Management Built for Business Owners
For many owners, the line between business and personal finances is hard to draw. A large share of your net worth may be tied to a company that is difficult to value and impossible to sell quickly. Your income may vary from year to year, your retirement may depend on a future sale, and decisions about compensation, reinvestment, and succession affect your family as much as your business. When a liquidity event arrives, years of work can become a very different kind of wealth almost overnight.
Sunpointe works with business owners and founders across many industries, including technology and biotech. We help you see your business and personal finances as one picture, plan for what comes before, during, and after a sale or transition, and build a portfolio that accounts for how much of your wealth is concentrated in your company. We coordinate with your CPA, attorney, and other advisors so their advice works together. Because our approach is grounded in behavioral finance, we pay close attention to the moments when the stakes are highest, such as deciding when to sell, how to structure succession, and what to do with new liquidity. Depending on the complexity of your situation, we serve owners through our wealth management relationship or, for business-owning families with broader needs, through our family office.
Concentrated Wealth
Much of your net worth is tied to a single company, and you want a thoughtful plan for managing that risk and diversifying over time.
An Exit or Succession Ahead
A sale, a merger, or a transition to family or partners is on the horizon, and you want to understand the financial and personal trade-offs before you commit.
Life After a Liquidity Event
You have sold all or part of your company, and the wealth once tied up in the business now needs a new plan and a clear direction.
Services Designed for Owners
Our services are especially relevant to owners and founders, and each one is coordinated through one relationship. For owners interested in private markets, our alternative investments offer another way to put new liquidity to work.
Financial Planning
- We model the financial impact of a sale, merger, or succession before you commit.
- We plan around uneven income and the overlap between business and personal cash flow.
- We help you decide what new liquidity needs to accomplish for you and your family.
Portfolio Management
- We account for the wealth concentrated in your company when building your portfolio.
- We help you diversify thoughtfully as liquidity becomes available.
- We apply institutional discipline and a clear risk framework to the proceeds of a sale.
Estate Planning
- We work with your estate attorney on gifting and trust strategies involving business interests.
- We help align your succession plan with your estate plan.
- We revisit your estate plan when a sale or transition changes the size and shape of your wealth.
Ready to Talk About Your Business and Your Wealth?
Start with a conversation about your business, your goals for it, and what you want your wealth to accomplish for your family. We’ll help you see how the pieces fit together, whether a transition is years away or already on the table.
Frequently Asked Questions
Answers to common questions from business owners and entrepreneurs.
Sunpointe helps owners understand what a sale would mean for their finances before they commit. We model different scenarios, such as when to sell or how the proceeds might be received, and show how each one would affect your plan, your portfolio, and your family’s goals. We also coordinate with your CPA, attorney, and other advisors throughout the process, so the financial, tax, and legal parts of the decision fit together.
There is no single answer, which is why Sunpointe starts with what you want the proceeds to accomplish. From there, we build a plan and portfolio around your goals, diversify thoughtfully over time, and consider whether options like alternative investments, charitable giving, or gifts to family belong in the picture. Taking time to plan before making major decisions with new liquidity is one of the most valuable steps an owner can take.
When much of your wealth is tied to your business, Sunpointe accounts for that concentration across the rest of your financial life. We build your investment portfolio with your business exposure in mind and help you diversify as liquidity becomes available, whether through a sale, distributions, or other events. The goal is a plan that reflects your full financial picture, not just the assets we manage.
It depends on the complexity of your situation. For many owners, wealth management brings together what they need: financial planning, portfolio management, and behavioral coaching. Business-owning families with multiple entities, several generations, or broader needs may be better served by Sunpointe’s family office, which adds services such as family governance, direct private investment programs, and consolidated reporting across entities.
Some of the largest financial decisions an owner makes, such as weighing a sale offer, planning succession, or deciding what to do with new liquidity, carry high personal and financial stakes. Behavioral finance helps identify the tendencies that can influence those decisions, like overconfidence in a familiar business or the urge to act quickly. Sunpointe’s coaching is designed to help you slow down and make these choices with a clear view of the trade-offs.
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