Meeting the Often-Overlooked Needs of Business Owners

Business owner clients put a great deal of faith and trust in their Financial Planners, Wealth Managers, and Accounting Professionals. Clients who own their own businesses rely on us to keep them up to date on events that may have in impact on the financial health of their businesses.  Often times taking a holistic approach when working with business owners is best to address their needs.  

Many financial, investment, and accounting professionals have recognized the need to work with their business owner clients on succession planning.  However, they have not been able to because they lacked a process and simplified workflow needed when working on these cases.  This has led to an ever-widening gap between the client’s needs and the service they are receiving.  


Often business owners have income which can fluctuate with their sales cycles, lack proper benefit and insurance planning, and may not have dedicated office space or support teams.  This means clients who own their own businesses need their trusted professionals to provide greater flexibility and a deeper understanding of their particular business’s needs.  

Business owners could benefit from more flexible meeting times and by working with a professional who can facilitate meetings at their client’s workspace, online with webinar and screen sharing capabilities, or a shared meeting space.  Additionally, business owners need professional advice on a wide range of business and finance related topics from retirement plan/ benefit selection and business succession planning to comprehensive financial planning that looks at their business and personal planning needs together.  If you are a business owner the chances are you can identify with one of the scenarios mentioned.  


Castle Wealth Advisors, LLC has been focused on meeting the needs of our financial planning and wealth management clients by working together with clients to review existing plans and create new plans, based upon the business owner’s individual situation. Often, we find business owners will either have no plan or a plan which may have been impacted by numerous changes over the past several years. With the uncertainty around income and estate taxes in the future, now is the ideal time to work to review or create these plans.

Please note that this is not a planning strategy built around promoting a particular product or concept. It is a process intended to help you as business owner clients, review your existing plans, identify needs, and understand potential solutions in an efficient manner. We typically charge a flat fee of $2,500 - $3,500 for comprehensively focused plans (included is review of current business and personal financial plans, business valuation estimation, plan selection, risk analysis, cash flow analysis, asset allocation recommendation, and estate planning review).  Castle Wealth Advisors, LLC was also created with flexibility in mind.  We offer flexible meeting times, locations,  and the option of working virtually with clients (one of the things clients tell us sets us apart from other planning and investing services).  


If you don’t have a trusted advisor, you’re unsure or have questions about your investments/ financial life, and are located in California or Alabama, Castle Wealth Advisors, LLC would be happy to discuss your situation and offer guidance.  You may schedule a complimentary initial conference call to discuss your particular situation and receive a personalized plan pricing quote.   Check us out at Castle Wealth Advisors, LLC to learn more about services we offer for business owners or to understanding the difference in working with a Certified Financial Planner™.





This information is general in nature and may be subject to change.  Financial professionals and other representatives are not authorized to give legal, tax or accounting advice. Applicable laws and regulations are complex and subject to change. Any tax statements in this material are not intended to suggest the avoidance of U.S. federal, state or local tax penalties. For advice concerning your individual circumstances, consult a professional attorney, tax advisor or accountant.

Securities offered through NMS Capital Advisors, LLC, Member FINRA/SIPC. Advisory products and services offered through Castle Wealth Advisors, LLC, a Registered Investment Advisor. NMS Capital Advisors, LLC and Castle Wealth Advisors, LLC are unaffiliated entities.


Heather Castle

I am originally from Virginia and grew up in Tuscaloosa, Al.  I completed both of my degrees at the University of Alabama.  My undergrad degree in Finance and then later my MBA from the Manderson Business School through their Executive MBA program. 

I started Castle Wealth Advisors, LLC because I wanted to provide ethical and approachable financial planning and investment management to individuals and business owners, concerned with their financial futures, regardless of age, sex, race, or net worth.

I've always believed clients should work with reputable, qualified, and experienced advisors.  So it was important to me to gain industry experience as well as pursuing additional industry specific designations.  I have passed the following licensing exams:

     Series 7, General Securities Representative

     Series 66, Investment Advisor Representative 

     Series 9 & 10, General Securities Sales Supervisor

     California Life, Health, and Variable Insurance (License #0K01554)

I have been in the financial services industry since 2006 and have work with many differing type of clients over the years.  One thing I know to be true, everyone wants to feel heard and cared about.  Meaning everyone I have ever worked with wants to feel like their desires, wants and needs have been heard and taken into consideration when speaking about their personal financial matters.

Many people have the same goals, they just express them differently, and then there are a few who’s view and desires are completely different.  This is one of the aspects I love about my job.  The PEOPLE!  I get to meet some many interesting people and they challenge me daily.  No day in my line of work is the same.  Today I could be planning for a family who owns a small business and tomorrow working with a women going through a painful divorce.  Listening and building financial plans and strategies around personal needs is why many of my clients have said they do business with me and have stayed with me. 

Another reason I love my job… I get to truly HELP people.  I get to make a living and provide for my family while helping others.  Over my career I have felt a need to dive deeper into financial planning and working with high net worth individuals who have greater planning and investing needs.  Listed below I have highlighted a few of the areas I specialize in:

·      Women in transition (divorce/ death)

·      Corporate Executives

·      Young Entrepreneurs

·      Small Business Owners

·      Family with Special Needs Members

·      Complex Retirement and Estate Planning Needs

Currently I live in Brentwood and really enjoy the West Side of Los Angeles.  I am actively involved with the Junior League of Los Angeles.  I have a passion for trying new things and new experiences.  So, in my free time I love traveling and scuba diving.  I also am interested in learning French, taking pilot’s lessons and dancing the tango!