Custom Guidance for Business Owners

We can help create a custom financial plan that is designed to address all your interwoven objectives, supporting your business and personal needs. Whether you want help with cash flow and tax efficiency or retirement and estate planning, we can be your guide.

Discover the ways we can help Get in touch

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We can walk with you through every step of owning a business – and lend our expertise.

Assess the value of your business before you make your next strategic move
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Provide meaningful, competitive benefits to your employees
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Minimize risk to optimize business opportunities and maximize security
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A comprehensive suite of cash management and lending solutions
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Set in motion investment strategies tailored to your needs
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Building a legacy on your terms

Business owners are often too busy to reflect on whether they’re giving enough attention to what matters most. That’s why we’ve gathered resources and inspiration to help clients consider the impact they want to make in their career, family and community.

Business stages

Startup stage

As you build your venture’s foundation, we can help you:

  • Knit a safety net that includes a cash reserve
  • Build a moat around your assets via titling and insurance
  • Focus on your personal finances

Growing your business

As you take your business to the next level, we can help you:

  • Identify financing opportunities for M&A activity
  • Help with tax-aware investing and planning
  • Analyze risk as your business grows

Mature and established

As you enjoy business stability, we can help you:

  • Build up business resilience and run a stress test
  • Address your estate planning
  • Review your options for transfer of your business

Exit stage

Your life’s work is poised for a transition. We can help you:

  • Work through business valuation and how to structure a sale
  • Plan for the income tax on gains
  • Plan to help you pursue new goals post-sale

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Enter your desired payment - and let us calculate your loan amount. Or enter in the loan amount, and we will calculate your monthly payment. You can then examine your principal balances by payment, total of all payments made and total interest paid. Press the "Report" button to see a monthly payment schedule.
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Loans
Having adequate cash flow is essential to keep your business running. If you run out of available cash, you run the risk of not being able to meet your current obligations such as your payroll, accounts payable and loan payments. Use this calculator to help you determine the cash flow generated by your business.
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Personal Finance
Knowing your income tax rate can help you calculate your tax liability for unexpected income, retirement planning or investment income. This calculator helps you estimate your average tax rate, your tax bracket, and your marginal tax rate for the current tax year.
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Tax Planning
Use this calculator to estimate your self-employment taxes. Normally these taxes are withheld by your employer. However, if you are self-employed, operate a farm or are a church employee you may owe self-employment taxes. Please note that the self-employment tax is 12.4% for the FICA portion and 2.9% for Medicare.
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Tax Planning

You’ve worked hard for what you’ve built. Let us help you manage and preserve it.

Let’s start a partnership
Raymond James does not provide tax or legal services. Please discuss these matters with the appropriate professional.

The future at your fingertips

Central Valley Advisors, LLC, doing business as O'Brien Wealth Management, is registered as an investment adviser with the Securities and Exchange Commission (SEC), and only transacts business in states where it is properly notice filed, or is excluded or exempted from such requirements. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability. Information on this website is directed toward U.S. residents only.

Information on this website does not involve the rendering of personalized investment advice, but is limited to the dissemination of general information on products and services. A professional adviser should be consulted before implementing any of the strategies presented. Website content and articles were prepared by Raymond James, not O’Brien Wealth Management.

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O'Brien Wealth Management is not engaged in the practice of law or accounting. Always discuss specific legal or tax issues with your attorney or accountant. Tax rules and regulations are subject to change at time.

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