Golden Financial Services, a registered investment advisor, is a private, fee-based financial services firm founded by Craig Krespach, a CPA (Certified Public Accountant) and CFP (Certified Financial Planner practitioner).  We are located in Portsmouth, New Hampshire (serving Hampton, North Hampton, Rye, Porstmouth, Exeter, and the greater NH Seacoast) and specialize in personalized, comprehensive financial planning and asset management for individuals, trusts, estates, charitable organizations and small businesses.  We offer investment management, retirement, estate and tax planning, and risk analysis, including long-term care protection and life insurance.  Call today to schedule your FREE consultation.      
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"The most important moments rarely come at a convenient time. That's the mystery of a moment. It's small enough to ignore and big enough to change your life forever." - Erwin McManus
 
Services: Business Planning  
   

Business planning focuses on issues specific to business owners and shareholders. For most business owners, the business is their most significant asset, and the financial success of that business has an immediate impact on the economic security of the family. Without proper planning, you may have difficulty tapping the value of your business to support your retirement, or your family may lose the value of your business at your death.

Our process coordinates the management of your business throughout its life cycle with:

  • risk management,
  • distributions to the owners, and
  • succession planning.

Operation planning focuses on critical components of managing a business in the various stages of its life cycle. Common and controllable management issues include sales and marketing, cost/benefit analysis, controls, human resources, tax issues, asset management, and product development.

Starting and running a business carries its own set of risk exposures and there are several factors that can impact how safe your personal and business assets are from risk. These include, but are not limited to: the type of business entity you choose, the state you choose to do business in, as well as how you manage your business, your human resources, and your taxes. Business risk management identifies your options for handling these risks.

Executive compensation focuses on both cash and non-cash approaches. The size and structure of the business significantly influences your compensation systems. Large businesses tend to provide owners with sophisticated and sometimes complex compensation formulas. Small businesses tend to adopt a more straightforward compensation approach. Examples of compensation include insurance benefits, qualified retirement plans, stock options, personal performance initiatives, and other tax-advantaged nonqualified plans.

Succession planning focuses on the transition of a business from an existing owner to a new owner. While key factors vary extensively with business type and industry, there are some factors common to all business transitions, including the creation of a sellable business and the formulation of specific transition mechanics at time of sale. Additional succession planning issues include positioning a business for sale, determining valuation and terms, grooming senior management, and creating strategic alliances.

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