Sequence Advisory · Business owners
Coordinate your business decisions with your personal finances
When your business and personal finances affect each other, your plan should account for both.
Owner pay, household needs, business reserves, retirement and protection, planned together, with business and personal money kept separate.
A free 15–30 minute conversation to discuss what you need, how we can help and the next step.
Personal financial planning is available now. Sequence & Co. is not yet a registered investment adviser, so we do not give investment or securities advice until that registration is effective.
What we work through
Where the business and household meet
- How much to pay yourself, and how
- Separate cash reserves for the home and the business
- Reinvest in the business, or build personal wealth
- A retirement plan the business can run
- Buy-sell, key-person and continuity planning
- Equity compensation and exit options, where they apply
Who does what
Clear roles
- Marlyn leads the household side; Efrain leads business services
- Your CPA and attorney keep tax, entity and legal decisions
- We coordinate with them; we do not give legal or tax advice
Fees
Separate options, never bundled
Implementation includes 3 months of Strategic support; paid support after that is your choice.
Business services are optional and priced on their own. Every fee is confirmed in writing before work starts.
Our software
PFOS for the household side
- PFOS tracks your household finances: owner pay, spending, debt and goals
- See how a change in owner pay affects the household plan
- Personal finances only; the business books stay separate
- Included while you are on ongoing support (Essential or Strategic)
- Otherwise a separate monthly subscription, with a free trial
Questions
Questions people ask
Do I need both the personal and business sides?
No. Use either one.
Are business and personal funds combined?
No. They stay separate.
Can I buy insurance elsewhere?
Yes.
Related
Keep exploring
The next step
Start with a conversation
A free 15–30 minute conversation to discuss what you need, how we can help and the next step.
The introductory call is a conversation about fit and scope. It is not the paid diagnosis, the written plan, a business Clarity Session or a full policy analysis.