Business Consulting & CFO Services

Home > Business Consulting & CFO Services

We pride ourselves on the comprehensive and proactive client-focused customer service we provide directly to our business clients, and to our clients through the businesses they represent.

The needs and goals of business owners along with their executives and employees are addressed through customized compensation and benefit plan designs that fit within each client’s unique culture and business environment.

We actively collaborate with our business clients’ internal resources, external tax and legal advisors, and plan providers and administrators when implementing new plans and programs, and while supporting existing plans as we move forward together.

image 2023 11 03T11 50 14 219Z

Core Objectives:

  • grow business
    Protect and grow your business
  • incentive
    Attract, incentivize, reward & retain top talent
  • performance pay
    Emphasize performance-pay & rewards constructs vs entitlements
  • vision
    Align the needs and goals of employees with the vision and objectives of owners, boards and management

Business Advisory Services:

  • Entity Planning
  • Short-Term Compensation, and Intermediate & Long-Term Incentive Planning
  • All Defined Contribution Plans including SIMPLEs, SEPs, 401ks and Profit Sharing Plans*
  • Defined Benefit Pension Plans*
  • Corporate 529 College Savings Plans*
  • Elective-based / Voluntary programs and Supplemental Insurance Plans
  • Multi-Life Long Term Care (LTC) & Disability Insurance (DI) Plans
  • 409(a) Deferred Compensation Plans (DCPs)*
  • Supplemental Executive Retirement Plans (SERPs)*
  • After-Tax Insurance Based Retirement Plans
  • Buy/Sell Planning & Key Man Life Insurance
  • Business Continuation Planning

Our Competitive Advantage:

  • An independent, holistic, proactive and comprehensive approach to serving our business clients
  • A team of advisors with over 50 years of licensed experience in the financial services industry with respected designations and credentials in our respective fields
  • Our ability to work with clients’ internal resources and external advisors, as well as our network of local, regional and national industry professionals, when needed
  • Advanced technology and software with the ability to consolidate compensation and benefits into a personal plan for the participant(s) with the objective to re-enforce the benefits and forecast future cash flow, assets, tax and retirement needs & goals
image 2023 12 07T11 50 21 864Z

Check the background of your financial professional on FINRA's BrokerCheck.

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation.

Securities offered through Cetera Financial Specialists LLC (doing insurance business in CA as CFGFS Insurance Agency), member FINRA/SIPC. Advisory services offered through Cetera Investment Advisers LLC. Cetera entities are under separate ownership from any other named entity. 

This site is published for residents of the United States only. Registered Representatives of Cetera Financial Specialists LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site,visit the Cetera Financial Specialists LLC site at

Individuals affiliated with this broker/dealer firm are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.

Business Continuity | Important Disclosures