True prosperity means living confidently
Imagine flying free in a V – knowing you’ll reach your goals and touchdown safe and sound?
Imagine relaxing and enjoying your journey, trusting in the guidance, experience and lift you’ll get from those who’ve been where you’re going and know the surest paths there.
The WestStar Way
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ADVISORY & SOLUTIONS SUITE
Grow your business & secure your future
You’re a business owner who has everything on the line with your business. You’ve sacrificed time with your family, a lot of money and plenty of sleep for the promises of financial freedom and security for you and those you care about.
It’s your dream to build a legacy that you can put your name on. You want something to show for your pioneering efforts: to see your business and people thrive, get your succession plan in place, and exit feeling proud of your hard work and sacrifice.
We understand you.
We also know that time is never on a pioneer’s side: you want answers you can trust, guidance that fits your schedule and location preferences, and a financial partner to help shoulder the load.
If that’s the way you feel, then let’s talk about how we can help you.

Grow your business & secure your future
Turn opportunity into success
Once we’ve learned your priorities and milestones, we select the most appropriate investment, compensation, risk and tax strategies to employ.
Your Navigator 360° Roadmap is a strategic plan that defines your personal goals and key outcomes: it pinpoints your personal and business priorities and maps the steps to reach your milestones.
Your Roadmap also serves as a communication tool that articulates our strategic thinking in a clear, understandable and actionable way.
WestStar’s Navigator make a complex journey simpler, easier to follow and perfectly clear.
We focus on seven core areas of your prosperity.
Personal Planning | Business Financial Planning | Investment Planning | Tax Planning | Risk Management | Retirement Planning | Estate Planning
A holistic plan for today & tomorrow
For the business owner looking to create a holistic plan that spans every aspect of their financial life, it’s always most beneficial to divide financial planning into two categories: business and personal.
At WestStar, our clients rest easy knowing their business and personal interests are aligned, and that they have the path to prosperity clearly road mapped.
We do the groundwork and lay out the options in a clear and understandable way.
Our professional direction and guidance provides our clients with confidence and clarity in their decision making.
1. Personal Planning
Your business is vital to your life and a key asset in your individual financial plan. Understanding what happens to your business when you’re gone is essential to both your financial goals and peace of mind. That’s why we help you to determine an accurate valuation of your business and incorporate it into your personalized financial plan.
But your business isn’t the only part of your life: planning for your own retirement, saving for your kids’ education, and minimizing taxes can all come into play.
We help you to create assets outside your business. Often, these assets are protected from bankruptcy and creditors. While on your jouney to build prosperity, we work with you to ensure that your spouse and children are protected and cared for should the worst happen.
We’re here to provide you with an assured financial confidence.
2. Business Financial Planning
Juggling the financial aspects of your business requires balanced management and a deft hand: how best to structure ownership, manage cash flows, profits, income, debt financing, and more.
Our goal is to bring stability to your foundations for business growth through regular discussions between you and your WestStar Financial Advisor and team.
Succession Planning
To free up time to work on the business and not in it, you must attract retain, and motivate the right kind of talent. Your organizational structure needs to support task delegation, employee perfomance monitoring, and the development of tomorrow’s leaders (and potential owners).
Business growth rarely happens by chance, and we find that high growth businesses are those with basic employee benefits and sophisticated plans to reward and retain key people.
You don’t always know what your competition is doing to incentivize and reward employees, but we do: we’ll help you understand the possibilities.
Business retirement plans offer security, retention & recruitment benefits
One thing we make sure to consider is the potential of adding insurance on the lives of key people, such as partners and/or founders, and so provide for your business continuity while mitigating your risks.
We provide for long-term success through a holistic financial planning framework that includes regular strategy sessions, close mentoring and monitoring, and blended advice for all of your business and personal financial interests.
A question of delicate balance
With both your personal and business financial goals in mind, we look at all aspects when building your roadmap to prosperity. Is it better to put profits back into the business, or to use them to build a retirement plan for your future?
The former gives you full reliance on yourself and continued business growth. The latter will provide security for you in the event the business fails. It’s a choice that requires careful consideration.
Our knowledge and expertise mean you can have peace knowing that you’ve made the right decisions for your unique situation.
3. Investment Planning
In our experience, most of our business owner clients have self-financed their businesses. It is not unusual to find that the business is its owner’s major or sole investment.
When owners have extra capital to invest, they often choose to invest in the business. They believe that their returns will be greater, given that they find it easier to master their business than their money.
Control is a powerful motivator, but far-sighted planning requires diversification to offset the concentrated risks business owners take.
We carefully evaluate and select outside assets for your personal portfolio which may be protected from bankruptcy and creditors, so all your eggs are never in a single basket.
Diversification of asset classes and investments will offset the concentrated risk you are taking with your business.
Investment Strategies
In developing a plan that fits your needs, we will discuss any appropriate strategies as well as the tools and products available.
Our open architecture affords us access to a wide spectrum of professional money managers and funds.
Our Business Pioneer Team supports your WestStar Advisor and brings top tools and technology to make every step of your investment strategy dynamic and transparent.
Technology & tools that put you in the driver's seat
Your Navigator Roadmap is a step-by-step plan that will route you to your goals in the most efficient way possible.
Beneath the dashboard lies a simulator that measures your plan in multiple scenarios. With Navigator, we can measure your probability of success and create scenarios that show you your trajectory based on our recommendations.
It’s an incredible tool that brings your overall prosperity into focus: investments, risk, savings, social security income, pension information, life insurance, and more.
Your roadmap is robust, essential to what we do from the start, and strategically reviewed throughout your journey.
Our platforms mean easy navigation
Our platforms are easy to use, with your investments accessible and easy to view on our intuitive dashboard.
We will present and review your finalized financial plan. We will propose and explain investment allocation and initiate account opening processes.
Investment Portfolio Management
When developing your investment strategy, we focus on your unique circumstances, goals and values, instead of sales and products.
Some of the many questions we’ll seek to answer are:
- What goals do you want your funds to accomplish?
- What time horizons will govern their deployment?
- What expectations do you have for risk and reward?
- How do you want your portfolio to be balanced?
- Are your funds qualified for tax deferral?
We understand that your goals and priorities will change over time and our team is here to guide you in adapting your roadmap to fit your needs.
Working closely with you, your Advisor will review progress regularly, and evaluate your portfolio to keep you on track to achieve your goals.


4. Tax Planning
Business ownership affords all sorts of tax-advantaged ways to save for retirement, along with the option to put aside amounts far larger than those allowable to non-business owners.
We provide a deep analysis of your tax advantaged investment options and Social Security options.
Tax efficiency is vital when your time comes to collect Social Security. Your WestStar advisor will provide retirement income planning strategies, help you decide the best time to take benefits, and show you how to stay within tax brackets.
This may mean working in concert with your tax advisor to deliver integrated advice.
5. Risk Management
While it’s important to focus on how to grow and secure your business’ future, it’s just as crucial to put protections in place from the risks that could impair your financial situation, and do so in a cost-effective way.
Personal Risk Management | We all need to plan for the financial risks of early death, disability, illness, and long-term care.
Business Risk Management | Because you own a business, your risks escalate to include the interruption of your business due to the death or disability of anyone key to its success, or a natural disaster. Managing these risks requires specialized insurance solutions beyond those you hold for yourself and your family.
We’re here to pull them all together.

Life Insurance
We assess business succession funding and estate planning aspects, seeking to structure an income tax and estate tax free vehicle.
Disability Insurance
We look to protect your income should you become unable to work before you have gained financial freedom.
Long-term care
We evaluate your options for financial support should you require adult care, respite care, or assisted living.

6. Retirement Planning
Most of WestStar’s business owner clients get a real kick out of what they do.
They often assume they’ll never retire, and view their business as an adequate retirement plan in and of itself.
These assumptions aren’t reality – we find that business owners are likely to need more retirement planning, not less.
It’s crucial to prepare for a time when the business owner either no longer can or wishes to work, or the business can no longer provide for their financial needs.
7. Estate Planning
When a business grows to become a valuable asset in your estate, simple wills or family trusts might not be adequate.
More sophisticated financial planning techniques may be necessary to ensure aspects like business continuity after death, the reduction of estate taxes assessed for the business, and provision of liquidity to your heirs to pay those taxes.
WestStar is here to make sure your business transfers smoothly. We consider the sometimes pivotal role of insurance and charitable trusts, reorganize the business when necessary to create alternative types of ownership for family members, and make full use of IRS-approved discounts in valuing the business for purposes of gift and estate taxes.

Relationships built on trust
Our relationships are real, honest and candid. We believe trust is earned. We say what we do, and we do what we say.
As business owners ourselves, our insight and experience make us valuable sounding boards for clients who wonder if they’re making the best decisions. We also connect our clients with other professionals, as well as groups like Vistage, YPO, and EO to give them perspective and grow their knowledge beyond what we offer as their financial mentors.
Our personal touch and care is evident in all our relationships, many of which have served business owners and their families’ best interests for over a decade.