As a business owner, your financial world is anything but simple. Balancing cash flow, managing taxes, and planning for both growth and eventual succession demands a financial strategy that reflects your unique situation. At Scepanovic & Associates, we specialize in helping business owners build, protect, and transition their wealth—with no quotas, no sales pressure, and no one-size-fits-all solutions.
Our approach is based on understanding you—your business, your goals, and your lifestyle. We create strategies that align your personal and professional finances, ensuring the business you’ve built continues to support you for years to come.
Strategic business growth
Your business is more than a career—it’s your life’s work. Our team helps you structure your finances to fuel that growth while protecting your long-term interests. We provide:
- Strategies for reinvesting profits in a tax-efficient way
- Guidance on managing cash flow to balance expansion with financial security
- Support for planning major investments, such as equipment, property, or hiring key staff
Our goal is to ensure your business growth aligns with your broader financial goals, helping you build wealth in every area of your life.
Tax efficiency: keeping more of what you earn
Taxes can quietly drain your business profits if you’re not proactive. We specialize in strategies that minimize both corporate and personal tax burdens by:
- Structuring your business to maximize tax savings
- Timing your salary, dividends, and bonuses for optimal tax efficiency
- Advising on expense deductions and investment opportunities that reduce taxable income
By aligning tax strategies with your business structure, we help you keep more of what you’ve earned—without surprises at tax time.
Risk management solutions
No matter how well your business is run, unexpected events can threaten everything you’ve built. We help you put safeguards in place to protect your assets, employees, and partners. Our risk management strategies may include:
- Key person insurance to protect your business from the sudden loss of a critical team member
- Buy-sell agreements to ensure a smooth ownership transition if a partner exits
- Disability and critical illness coverage to protect your family and your business income
Our goal is to ensure your business can withstand unexpected challenges without compromising your long-term financial security.
Business succession planning
The day will come when you’re ready to step back from your business—but without proper planning, your exit could cost you more than you realize. We help you plan for succession years in advance to ensure your business is ready when the time comes.
Our succession strategies include:
- Identifying and preparing the right successor—whether that’s family, management, or an outside buyer
- Structuring the sale of your business to minimize tax burdens
- Developing strategies that preserve your legacy and maintain employee stability during the transition
With our guidance, you can exit your business on your terms, knowing your wealth and your employees are protected.
Incorporation advice
Incorporating your business can provide significant financial advantages, but it’s not always the right solution. We help you determine whether incorporation aligns with your business structure, tax strategy, and personal financial goals.
Our incorporation guidance includes:
- Evaluating the tax benefits and potential pitfalls
- Advising on income splitting strategies for added tax savings
- Aligning corporate structure with your long-term financial vision