Eliminate Overwhelm,
Grow with Purpose
Financial planning & investing for time-starved business owners
The Business Owner Dilemma
You are always playing catch-up
You are stuck making low-impact decisions
You are tired of year-end tax surprises
You feel trapped in a web of complicated business & personal financial decisions
You fear one misstep will derail what you’ve built
Your business is not set up to support your personal interests & passions
Goodbye Hamster Wheel, Hello Growth
What’s it all for? Align your goals and values with your time, talent and money
Cash flow planning that supports your personal and business needs while minimizing the impact of surprises
Year-round tax planning aimed at reducing your lifetime tax bill
Retirement plan & portfolio strategies to support your short & long-term goals
Insurance needs analysis to safeguard you and your business from catastrophic events
Trust & estate plan reviews in accordance with your legacy wishes
Are We a Fit?
30 Minute Discovery
We keep this call light and high-level. Ask/share whatever is on your mind. While this call is about you and your needs, we will offer a glimpse into our approach to identifying your top priorities and how we structure financial plans and investments for your ideal life.
Goal: You receive answers to your most pressing questions and learn about how we serve our clients. We will schedule a more in-depth exploratory call if there’s a mutual fit.
60 Minute Exploration
A deeper dive into your major concerns to determine the scope of service needed from Two Palms.
Goal: You gain a clearer sense of your pain points, how to tackle them and whether Two Palms Financial is the right long-term partner for you. If you wish to move forward, we will send a client engagement proposal with scope and pricing.
Two Palms Client Experience
Lay the Foundation
Two 60-minute Meetings
Once the scope of work is established, we will send a data questionnaire ahead of this meeting in order to focus the initial call on data verification and goals and values discovery.
Plan Delivery
One 90-Minute Meeting
The most fun part! Recommendations will be broken down by priority level and projected time to completion. Your Two Palms Two-Page Plan document will be used to track progress toward your goals.
Ongoing Reviews
2-4 Meetings per Year
We review timely planning items and assess progress toward your goals. We are available 24/7 as needed between review meetings.
Typical Client Meeting Calendar
Q1
Jan - Mar
Reexamine all financial plan assumptions
Discuss personal & business goals
Income/expense projections
Personal & business debt analysis
Gather relevant tax forms for filing
Plan for quarterly estimated tax payments if necessary
Q2 & Q3
Apr - Sept
Quarterly estimated tax tracking
Revenue & cash flow tracking
Evaluation of business & personal insurance coverage
Trust & estate plan review (every other year)
Q4
Oct - Dec
Year-end cash flow debrief & upcoming projections
Year-end tax plan opportunities: deductions, credits, & deferral strategies
Explore final tax-loss harvesting and rebalancing opportunities*
Investment performance debrief*
Year-round Planning
Business cash flow tracking
Projected vs. actual revenue and profitability analysis
Portfolio rebalancing*
Tax-loss harvesting in taxable portfolios*
* For investment management clients