Tax, Retirement and Succession Planning
A family-owned Michigan firm for business owners, families and retirees. We plan your taxes, your retirement, the future of your company and what you leave behind, together and in writing.
Everything Under One Plan
- 01
Tax
Tax returns and planning for households and businesses, including entity choice, owner pay, Roth conversions and the tax on a sale.
- 02
Retirement
Planning for income in retirement, including Social Security, Medicare, which accounts to draw from and the taxes on withdrawals.
- 03
Business & Succession
Cash flow, entity structure and retirement plans while you run the company. Valuation, succession planning and the sale itself when it is time to step away.
- 04
Estate & Legacy
Beneficiary forms that match your intentions, estate documents handled here, and a plan for what the next generation inherits, the business included.
The plan can also include insurance and investment coordination. Tax preparation and one-time projects are available on their own. See every service
When the Business Is Your Largest Asset
For many owners, the company is worth more than everything else they own. It pays the household and sets the tax bill. One day it has to pay for retirement too, through a sale, a handover to family, or the income it keeps producing.
We plan the business and the household together, from the first question about owner pay through a sale or transfer to the next generation.
- 01
Build
Cash flow, clean books and help with financial decisions.
- 02
Protect
A plan for the company if you cannot work.
- 03
Reduce Tax Drag
The entity, your pay and the timing of income.
- 04
Prepare for Retirement
Income for the years after the business stops paying you.
- 05
Transition the Business
A sale or a handover, planned years ahead.
- 06
Preserve the Legacy
Who inherits the business, and who runs it.
Plan Beyond the Next Tax Year
Your accountant, attorney, insurance agent and advisor each see part of your finances. We help connect their work so decisions about the business, taxes and retirement support the same plan.
- What you pay yourself from an S corporation sets how much you can put into a retirement plan.
- Selling the company in the year you claim Social Security can make more of the benefit taxable, and raise your Medicare premium two years later.
- A Roth conversion made for your own tax bracket also changes what your children owe on what they inherit.
- If one child takes over the business, the estate plan has to decide what the others receive instead.
A Conversation First. Then a Written Plan.
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A Conversation
Thirty minutes, with nothing to prepare. We learn what you are trying to decide and tell you plainly whether we can help.
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A Written Plan
We compare your options and explain our recommendations in a written plan you can review at home.
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Reviewed as Things Change
We review the plan as your life and business change. You continue working with the same person.
Small by Choice. Thorough by Design.
We keep the client list short on purpose, so every plan gets the attention it needs.
About the firmYears of Combined Experience
Across tax, retirement income, small-business advisory, succession, estate planning and insurance.
One Person, Start to Finish
You work directly with your advisor, who knows your family, your business and your plan.
Everything in Writing
Your plan and our recommendations are documented so you can refer to them between meetings.
Prepared in Abundance, Steady in Scarcity
Joseph stored grain through seven good years so Egypt could eat through seven lean ones. We plan by the same principle. Build reserves while the business and the income are strong, make decisions in the right order, and prepare the next generation before the handoff.
The Joseph Method™ gives families a structured, faith-informed way to put that principle into practice. It is offered selectively.
Start With a Planning Conversation
Tell us what you are working through, whether it is a tax question, retirement or an offer for the business. The first conversation takes about thirty minutes, with no obligation.