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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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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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.
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Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Tri Counties Bank and Tri Counties Advisors and Tri Counties Bank Wealth Management Group are not registered broker/dealers and are independent of Raymond James Financial Services. Investment products are: not deposits, not FDIC/NCUA insured, not insured by any government agency, not bank guaranteed, subject to risk and may lose value.


Investing involves risk and you may incur a profit or loss regardless of strategy selected.

Tri Counties Bank, Tri Counties Advisors and Tri Counties Bank Wealth Management Group do not provide advice on tax, legal or mortgage issues. These matters should be discussed with an appropriate professional.

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