Distribution timing
Owner distributions are sized and timed against income tax, estimated payments, and the personal portfolio's cash needs — so the money moves on a schedule, not whenever the account looks full.
Through Measured Risk Portfolios
Investment management that knows your tax plan.
Most business owners have a CPA and an investment account that never talk to each other. Distributions land in cash, K-1 income sits undeployed, and the retirement plan was picked years ago without a design. We run the investment side — fiduciary, tax-coordinated — off the same picture your return is filed from.
What we coordinate
The investment decisions that live at the intersection of tax, entity, and wealth.
None of these decisions are cleanly “investment” or cleanly “tax.” They all touch both. Running them off separate pictures is how owners leave money on the table.
Retirement plan design
Solo 401(k), SEP, SIMPLE, or a defined benefit layer — matched to your profit, owner age, and staff situation. This is where high-earning owners build the most tax-sheltered wealth. It doesn't work if it's disconnected from the entity.
Concentration management
Business equity is already a concentrated position. Single-stock accumulation — from RSUs, founder shares, or ESPP — makes it worse. We manage the investable balance sheet with that concentration in mind.
Tax-aware portfolio management
Tax-loss harvesting, asset location across account types, and lot-level management. The portfolio decisions and the tax return are run off the same numbers.
Post-exit reinvestment
When an exit or liquidity event lands, the plan should exist before the wire. Concentrated proceeds, charitable strategies, and the new tax baseline get built into the plan at the pre-close stage.
Estate and trust coordination
As wealth grows, the investment plan coordinates with trust structures, beneficiary designations, and estate tax exposure — so the decisions made today hold up later.
Why it’s different
The typical model: two professionals, two pictures, no coordination.
The standard setup for a successful business owner is a CPA who files the return and a financial advisor who manages the investment account. They rarely talk. The CPA doesn’t know what the portfolio is doing; the advisor doesn’t know what the entity looks like. Both are working off incomplete information.
When those two sides are run off the same picture — the same return, the same entity, the same year-end projections — the decisions compound differently. The distribution goes to the right account at the right time. The portfolio isn’t fighting the tax bill. The retirement plan is designed around the business, not around a retail default.
How we run it
- One team, two licenses
- Tax work through Matt Reese, CPA. Investment advisory through Measured Risk Portfolios. Same engagement, coordinated plan.
- Same source data
- The investment plan is built off the same return, entity structure, and year-end projections as the tax plan. Not a separate questionnaire.
- Decisions made together
- Distribution timing, retirement contributions, and portfolio cash needs are set in the same quarterly conversation — not in two separate calls.
Who this is for
Owners where the investment side and the tax side are the same decision.
The profitable owner with idle distributions
K-1 income and owner draws accumulate in cash or a basic savings account because there’s no plan for what happens after the return is filed.
The owner approaching exit
A sale or liquidity event is on the horizon. The post-close reinvestment plan, charitable strategies, and new tax baseline need to exist before the deal closes.
The owner with concentrated equity
Business equity, founder shares, RSU accumulation, or company stock options make up a large portion of net worth. The investment plan has to account for that concentration.
The owner who outgrew the 401(k)
The existing retirement account was set up years ago with no design. A solo 401(k), SEP, or defined benefit layer matched to current profit and age would compound more.
Measured Risk Portfolios
Fiduciary. Registered. Separate from the CPA function.
Investment advisory services are provided through Measured Risk Portfolios, a registered investment adviser. Matt Reese, CPA and Measured Risk Portfolios are legally separate entities. Clients are not required to engage both — but the coordination design assumes they do.
Fiduciary standard
Measured Risk Portfolios is a registered investment adviser and operates under a fiduciary standard — legally required to act in the client’s best interest, not the firm’s.
No commission structure
Fee-based advisory, not commission. The investment recommendations aren’t shaped by what pays the advisor.
Built for business owners
The investment management approach is designed around business income, K-1 dynamics, and entity structure — not retail retirement defaults.
Coordination is the design feature
The separation between the CPA entity and the advisory entity is legal and disclosed. The coordination between them is the reason the model exists.
Work with Matt
Ready to build a plan?
Matt Reese coordinates with Measured Risk Portfolios to build an investment plan around your business income, entity structure, and tax picture — not a retail account that ignores how you actually make money.
Investment advisory services provided through Measured Risk Portfolios, a registered investment adviser. Tax services through Matt Reese, CPA. Separate entities; clients are not required to engage both. This page is educational and does not constitute investment or tax advice.