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Personal Finance

Balance Sheet Thinking

Imagine your financial world in one place, organized and future-ready.

Our balanced sheet thinking advanced financial strategies address:

  • How to view your personal balance sheet: net worth, protection, cash flow
  • How business value affects your financial future and net worth
  • How to avoid neglecting balance sheet thinking in your personal finances
  • How Balance Sheet Thinking helps create the opportunity to live a good life for the rest of your life

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Article: Personal Balance Sheet

Balance sheets aren’t just for business. Imagine a Balance Sheet for your personal strategies. Our Personal Balance Sheet system automatically updates and tracks the value of your assets in more than 6,000 savings, investments, retirement, and real estate accounts along with the balances of any loans from credit cards, car or student loans, mortgages, and even the taxes owed in most 401(k) accounts. And perhaps most importantly, it tracks and calculates your net worth, the sum total of what you can truly count for big life financial objectives, like education, savings and retirement.

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Personal Balance Sheet

Brochure: Path of Confidence

A GOOD LIFE FOR THE REST OF YOUR LIFE

At the end of the day, each of us is doing our best to live a good life. While money is no assurance of a good life, not having enough money can certainly threaten it. At Pacific Advisors, we take decades of collective knowledge, coupled with time-tested approaches, to help you and your family craft a plan of action for financially producing and supporting a good life for the rest of your life. We call this plan your Path of Confidence®.

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Path Of Confidence

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Personal Balance Sheet 30 Minute Overview

A financial strategy specialist will demonstrate The Personal Balance Sheet and help you consider how it can be personalized and become a powerful financial organizational capability.

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Personal Balance Sheet 30 Minute Overview

Path of Confidence 30 Minute Tour

Implementing a plan for lifelong financial success takes time. Our financial specialists help you establish a plan that works within your current resources to develop initial action steps, while creating a sequence of future action steps that guide you toward your ultimate financial objectives.

If you’d like to audition the Path of Confidence for you and your family we offer a complimentary personalized tour to see if it’s a fit.

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Path of Confidence 30 Minute Tour

Our complimentary engagements are meant to help audition the services we offer to clients.

Enterprise Finance

Avoid Single Points of Failure in Your Business

Did your business come with an instruction manual telling you how to avoid single points of failure?

Probably not. We can offer the following help:

  • Get your financial world in one place
  • Ensure your business’ best chance of survival if the unthinkable happened to you
  • Create Business Continuity Instructions for anyone taking over your business

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Business Continuity Instruction Book

Do your family and business partners know what to do if something happens to you? Who has the keys to your business? Who knows how to keep things running in your absence? Your business didn't come with an instruction book, but our Business Continuity Instruction Book will help you be more prepared.

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Business Continuity

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Operating Agreement Review

A financial strategy specialist will review your business’ operating agreement and provide an assessment of potential threats and opportunities.

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Operating Agreement Review

Our complimentary engagements are meant to help audition the services we offer to clients.

Enterprise Finance

Suppressed Valuation Strategies in Your Business

Planning to sell or pass along your business to a family member or internal partner?

There can be opportunities to leverage suppressed business valuations. We can help you assess:

  • Consider why NOW might be a good time to sell your business
  • Retail seller value through a suppressed valuation sale
  • Avoid the double-deal tax

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Presentation: Suppressed Valuation Strategies

Receive the slide content utilized in the above Suppressed Valuation Strategies video.

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Suppressed Valuation Strategies

Paper: Enterprise Valuation

Typically, business valuations are considered useful only for one-time purposes such as a purchase or sale, a financing requirement, estate planning, divorce proceedings, tax assessments, or a liquidation event. While those are situations that require a valuation, this thinking misses the ongoing benefits of an annual valuation as a practice.

Few have considered the effectiveness of utilizing annual valuations as a way to check your progress towards your ultimate financial objectives, to create agreement with fellow business partners in advance of a crisis, and to position the company for the lowest costs of capital.

Making a practice of running an enterprise valuation each year keeps your business in a ready state for the best offers and opportunities that come your way.

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Enterprise Valuation

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Less May Be More: Ways to Avoid the Double-Deal-Tax

(when selling your business in these times)

Generally, the key to making the sale of a business more efficient and feasible, is to counter- intuitively sell the business not for its maximum value, but for its Lowest Defensible Value (LDV). Particularly when it’s to family members or inside executives/partners. A lower value means lower double taxation, less risk, a shorter time frame, and more cash flow available.

An LDV sale also means less money to the exiting owner, so the difference must be made up to them in the form of direct payments made by the business itself. These direct payments can be tax deductible to the business, taxed only one time to the owner and structured in a variety of ways.

Our 30 minute call will allow you to audition these opportunities for your business.

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Less May Be More: Ways to Avoid the Double-Deal-Tax

Our complimentary engagements are meant to help audition the services we offer to clients.

Get Started with our
Annual
InsightsTM
Program

Bringing together personal and business insights to craft financial efficiencies and optimization.

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Annual Insights Program
Annual Insights Program

We Take Comprehensive To A New Level

Annual Insights are designed to be part of your cross-functional team with a view on your entire financial picture.

Financial Insights
Financial Insights Comprehensive
Insights and
Strategy
versusAdvice

Many clients ask us about the difference between providing insights, sharing strategies, and offering advice.

By providing insights, we disclose observations about the gaps and opportunities our specialists notice in your financial situation. Our analyses may point out places where your current strategies meet or fail to fit your objectives.

When sharing strategies, we introduce often-overlooked methods and approaches for improving your financial position. We present relevant plans of action and discuss how and when they can be used effectively.

When offering advice, we make specific recommendations based on your particular situation, objectives, and risk tolerances.

Our Annual Insights Team can offer big-picture insights and strategies across personal, family, or business planning concerns. In nearly all cases, professional advice is regulated and necessarily limited to those with the appropriate professional licenses (legal, accounting, investment, insurance, etc.). As a financial services firm, we are able to offer specific advice in financial planning, investments, and risk management, yet we work collaboratively with other licensed financial professionals, such as tax and legal advisors.

Financial Solutions
Financial Solutions and Strategy
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