Portfolio ignores business concentration
If 80% of your net worth is in the business, your investment portfolio shouldn't look like a growth stock account. Most advisors miss this.
Through Measured Risk Portfolios
Wealth coordination that knows your tax plan.
Most investment advisors manage a portfolio without ever seeing your K-1, your entity structure, or your business income. We coordinate investment strategy and tax planning from the same plan — so your advisor and CPA are finally talking to each other.
The problem
Your portfolio was built without seeing your K-1.
For business owners, the investment portfolio and the tax plan are the same decision. When they live in separate rooms, you pay for it at tax time — and at exit.
Tax decisions aren't in the investment model
Capital gains distributions, asset location, Roth conversions, tax-loss harvesting — these only work when CPA and advisor share information.
Liquidity events aren't planned for
A business sale, distribution, or bonus changes your tax situation immediately. Advisors who don't know it's coming can't account for it.
Retirement contributions are an afterthought
Solo 401(k), SEP-IRA, and defined benefit plans are the most efficient vehicles for business owners — and they require coordination with the tax plan.
What we cover
Investment strategy built around the business owner’s full financial picture.
Tax-aware investment management
Asset location, tax-loss harvesting, gain deferral, and distribution timing — all coordinated with what your CPA is doing on the tax side.
- Asset location strategy
- Tax-loss harvesting
- Capital gain management
Concentration risk planning
When most of your net worth is in one business, your investment portfolio is part of a larger risk picture. We account for both sides.
- Business + portfolio view
- Liquidity buffer planning
- Hedging strategy (when applicable)
Post-liquidity allocation
After a sale, distribution, or liquidity event, deploying capital efficiently requires a tax plan and an investment plan working together — not sequentially.
- Tax-efficient deployment
- Reinvestment pacing
- Stage-gated allocation
Retirement plan design
Solo 401(k), SEP-IRA, cash balance plans — the right structure depends on income, age, employees, and tax bracket. We design it to fit the overall plan.
- Plan type selection
- Contribution maximization
- Tax deduction coordination
Trust & estate coordination
Investment accounts don't exist outside of an estate plan. We coordinate with your estate attorney so beneficiary designations, trust structures, and titling are consistent.
- Beneficiary reviews
- Trust account management
- Estate attorney coordination
Cash reserve planning
Business owners often hold more cash than necessary — or not enough. We build a cash tier strategy that accounts for operating reserves, taxes, and investment opportunity.
- Emergency + tax reserves
- Short-term yield optimization
- Cash deployment planning
Concentration planning
Most of your net worth is in the business. Your investment plan should reflect that.
A diversified portfolio looks very different when 70% of your net worth is already in a single, illiquid asset — your business. The portfolio doesn’t need more growth exposure. It needs liquidity, stability, and tax efficiency until the business concentration can be reduced.
We build the investment portfolio with the business in view. That means accounting for deferred liquidity events, the income the business already generates, and the tax impact of a future sale or distribution on the rest of the plan.
- Combined net worth view (business + portfolio)
- Liquidity buffer strategy
- Risk management across the full picture
- Pre-exit portfolio positioning
Illustrative owner profile
Business value (est.)
Illiquid
$6,000,000
Investment portfolio
Liquid
$800,000
Home equity
Illiquid
$600,000
Cash / operating reserves
Liquid
$300,000
The portfolio should not be managed as if business value doesn’t exist. Illustrative only.
Post-liquidity
After the exit, investment strategy and tax planning have to run in parallel.
A liquidity event resets everything: income, tax basis, account structure, and goals. Deploying $5M from a business sale requires a plan — not a conversation after the wire clears.
- Step 01
Tax modeling before deployment
Before a dollar is invested, we model the tax impact of the liquidity event — what's owed, when, and to which jurisdiction.
- Step 02
Cash staging
Proceeds don't all deploy at once. We stage deployment to manage market risk and give the tax plan time to settle before committing to long-term allocations.
- Step 03
Asset location across accounts
Taxable accounts, retirement accounts, and trust structures each have different tax profiles. Placing the right assets in the right accounts reduces drag over time.
- Step 04
Income replacement planning
If the business was your income, the portfolio now carries that role. We build distributions and withdrawal strategy around your actual spending needs.
Retirement plan design
The right retirement plan for a business owner is not the same as an employee’s.
Solo 401(k)s, SEP-IRAs, cash balance plans, and defined benefit plans each have different contribution limits, funding requirements, and tax deduction profiles. The optimal structure changes as income grows and employees are added.
We design the plan around your tax bracket today, your expected income trajectory, your employee count, and the exit timeline — then coordinate contributions with your CPA so the deduction is claimed in the right year.
Plan comparison (2025 limits, illustrative)
SEP-IRA
Up to $70,000
25% of compensation; simple to set up
Solo 401(k)
Up to $70,000
Employee + employer contributions; Roth option available
Cash balance plan
$200,000+
Defined benefit; high contribution for high earners; actuary required
Limits subject to IRS adjustment. Consult your CPA for your specific contribution maximum.
Get started
Ready for a wealth plan that knows what your CPA knows?
We start with a 30-minute call to understand your business, your current accounts, and where tax and investment decisions are currently disconnected.
Investment advisory services provided through Measured Risk Portfolios, a registered investment adviser. This page is educational and does not constitute investment advice.