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.

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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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Business ownership creates distinct opportunities and challenges for personal wealth. In a recent survey, Raymond James asked business owners how they are managing them.
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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.

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Raymond James does not provide tax or legal services. Please discuss these matters with the appropriate professional.

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2026 Forbes Best-in-State Wealth Management Teams


The 2026 Forbes ranking of America’s Best-In-State Wealth Management Teams, developed by SHOOK Research, is based on an algorithm of qualitative criteria, mostly gained through telephone and in-person due diligence interviews, and quantitative data. This ranking is based upon the period from 3/31/2024 to 3/31/2025 and was released on 01/07/2026. Advisor teams that are considered must have one advisor with a minimum of seven years of experience, have been in existence as a team for at least one year, have at least 5 team members, and have been nominated by their firm. The algorithm weights factors like revenue trends, assets under management, compliance records, industry experience, and those that encompass best practices in their practices and approach to working with clients. Portfolio performance is not a criteria due to varying client objectives and lack of audited data. Out of approximately 12,787 team nominations, 6,149 advisor teams received the award based on thresholds. This ranking is not indicative of an advisor's future performance, is not an endorsement, and may not be representative of individual clients' experience. RIA firms do not pay a fee in exchange for this award/rating. Compensation provided for using the rating. Ismert-Barger Wealth Advisors is not affiliated with Forbes or Shook Research, LLC. Please see https://www.forbes.com/lists/wealth-management-teams-best-in-state for more info.