Who we help Business Owners
Who we help
Financial planning for the owner, not just the business.
You set your own income, and most of your wealth is in something that does not show up on a brokerage statement. The entity, how you pay yourself, the retirement plan and the eventual sale are one decision, usually advised on by people who never talk to each other. We hold them together and plan for the life the business is supposed to pay for.
Does Baldwin Financial work with business owners in Oklahoma City?
Yes. Baldwin Financial is a fee-only advisory firm and fiduciary investment adviser in downtown Oklahoma City that works with business owners and solo practitioners across Oklahoma City, Edmond and Nichols Hills. The work covers entity and owner compensation design with your CPA, retirement plan design and funding, liquidity and diversification outside the business, exit and succession modeling years ahead, buy-sell funding and key-person coverage, and estate provisions for the company. CRD #324725.
What we see
Moments we recognize.
Everything reinvested in the business, nothing built outside it.
Salary versus distributions decided by habit, not by the numbers.
A SEP or SIMPLE that stopped fitting years ago.
A buy-sell agreement that was never funded.
A sale that could have qualified for Oklahoma’s capital gains deduction, if someone had checked the holding period earlier.
Where the work concentrates
Across all four disciplines.
Planning, investments, tax and estate, decided together. Fee-only advisory, held at Altruist in your name, fully digital. See what working together includes →
Entity and owner compensation design with your CPA
Retirement plan design and funding
Personal liquidity and diversification outside the business
Exit and succession modeling, years ahead
Buy-sell funding and key-person coverage
Estate provisions for the company
Guides written for you
Read before we ever talk.
The Oklahoma PTE election
Could it help your business?
Preparing to sell
The year before you sell.
The Oklahoma capital gains deduction
Understand Oklahoma taxes before you sell.
After the sale
The first year with the money.
The Oklahoma 529 deduction
The deadline most families miss.
Questions we get
Asked often enough to answer here.
Most of my net worth is in the business. What do you actually manage?
Whatever is outside it, built to balance the risk inside it. And the planning covers both.
Can you help me get ready to sell in five years?
That is the right lead time. Holding periods, entity questions and the family’s income needs all take years to arrange.
I have a CPA and a business attorney. Do I need a third person?
You need the three of them working from one plan. That is us.
An invitation
Tell us where you are.
We will tell you what we would look at first.
A complimentary conversation, by video, phone, or in person in downtown Oklahoma City, whenever suits you. Nothing to prepare and nothing to bring. Come as you are; leave knowing more than you arrived with.
What the conversation looks like
- 01
You talk. What you own, what you owe, who depends on you, and whatever is coming up that you have not solved yet.
- 02
We tell you what we see. The two or three things we would look at first, and why those and not the rest.
- 03
You decide, on your own time. If we are not the right fit, we will say so and point you toward someone who is.
Or reach us directly
- Phone
- (405) 266-7856
- Meetings, by appointment
- 629 W. Main Street, Suite 10080, Oklahoma City, OK 73102
In person downtown, or by video - Serving
- Oklahoma City, Edmond, Nichols Hills, and clients who have moved away