Running a business is a rewarding journey, but it comes with complex financial, operational, and succession challenges. At Harbor Horizon Financial, we help business owners navigate these complexities, plan for growth, and create a business that’s both profitable and sellable.

We take a team-oriented, long-term approach that integrates your personal and business financial goals, ensuring every decision supports your vision for success, today and decades into the future.

Outcomes Business Owners Often Seek:

Working with Harbor Horizon Financial isn’t just about numbers; it’s about creating a business and personal life that aligns with your goals. Through our structured process, business owners often gain clarity and confidence in areas like:

-Freedom & Peace of Mind: Know your business can operate without constant oversight. Take vacations, travel, and reduce stress.

-Lifestyle Goals: Create financial and operational flexibility to spend more time with family or pursue passions outside the business.

-Growth & Value: Build a business that’s scalable, profitable, and positioned for a future exit on your terms.

-Succession & Legacy: Protect your family, employees, and business through thoughtful planning and structured ownership transitions.

-Coordinated Financial Life: Align personal wealth, tax planning, and estate strategies with your business to maximize efficiency and long-term results.

How We Work With Business Owners

Our business owner clients benefit from a structured, process-driven approach that combines financial planning, business strategy, and exit readiness, including:

-Business & Personal Readiness Assessment: Using CEPA tools and custom scorecards, we evaluate business attractiveness, scalability, and personal readiness to exit. We identify gaps in human, structural, customer, and social capital, as well as your life vision, identity, and purpose.

-Baseline Valuation & Value Gap Analysis: Review EBITDA or Seller’s Discretionary Earnings, analyze current and future industry multiples, and conduct a value gap analysis to pinpoint focus areas.

-Customer & Operational Insights: Assess LTV (lifetime value) and CAC (customer acquisition cost) to optimize growth strategies and improve operational efficiency.

-Time & Energy Optimization: Identify energy-draining tasks, delegate low-value work, and reallocate time to strategic activities for high impact.

-Team Development & Leadership Succession: Build succession paths (profit-sharing, ownership track). Test operational independence with a “2-week vacation” analysis to ensure your business can thrive without you.

-Quarterly Strategic Goal Setting: Set actionable 90-day goals that focus on de-risking, business growth, and high-impact wins, aligned with frameworks like EOS/KPIs.

-Business Continuity & Risk Planning: Review legal agreements, implement key person insurance, buy-sell funding, and operational safeguards.

-Value Acceleration Timeline: Create a 3–5 year roadmap with clear milestones to explore business value and personal financial readiness.

-Exit Options Exploration: Evaluate paths such as third-party sale, internal succession, ESOP, or MBO, with tax implications and legal alignment.

-Personal Financial, Estate & Tax Planning: Coordinate personal wealth strategies with business goals, leveraging tools like QSBS, CRUTs, and installment sales, while integrating estate planning for ownership transfer and legacy.

-Freedom Point & Vision Planning: Determine your financial “Freedom Point” for exit, reverse-engineer a plan to reach it, and define your life after the business—purpose, identity, and fulfillment.

Flexible Pricing:

We understand that every business and owner is unique. That’s why we offer flexible pricing options; you’re not locked into a one-size-fits-all fee structure:

-Retainer-Based Planning: Ideal for business owners who want year-round access to strategic advice, planning, and accountability without linking fees to investment size.

-AUM-Based Investment Management: If your business or personal portfolio grows to a point where investment management makes sense, we can provide this service. But it’s never required.

-Hybrid Solutions: Many owners combine retainer planning with selective investment management or project-based work, ensuring you only pay for the services that add value.

This flexibility allows you to choose what makes sense for your goals, business stage, and personal finances, while ensuring our advice is fully aligned with your objectives, not your assets.

Questions We Help Business Owners Answer:

-Is my business running efficiently and profitably?

-How do my customer metrics (LTV/CAC) and financial metrics (EBITDA, multiples) influence growth and exit readiness?

-Do I have a succession plan that protects my family and employees?

-Are my personal and business finances coordinated to maximize growth and tax efficiency?

-Which team members or external experts should I engage to scale, optimize, or exit my business successfully?

-How do I create a roadmap to reach my Freedom Point and life-after-business vision?

By reviewing your business, finances, and long-term goals, we create a coordinated plan alongside your CPA, attorney, and other trusted advisors. Our retainer-based structure ensures our guidance is fully aligned with your objectives, not your assets under management.

With Harbor Horizon Financial, business owners gain clarity, confidence, and actionable strategies to grow, protect, and exit their business on their terms.

Contact us today to schedule a personalized consultation and start building a business that works for you, your family, and your future.