Owning a business creates unique financial complexity. Business and personal finances often become intertwined, making coordinated planning across retirement, tax considerations, succession, and investment management increasingly important over time. St. Johns Asset Management provides independent financial guidance designed to help business owners bring greater clarity and long-term perspective to their financial lives.
Built Around Your Business
Personalized Guidance for Multi-Generational Wealth
Business owners often face financial decisions that employees and retirees do not. From managing cash flow and concentrated business wealth to planning for succession and eventual exit, the financial picture of a business owner is uniquely complex.
St. Johns Asset Management works with business owners and entrepreneurs across Florida who are seeking personalized, independent guidance aligned with their goals. We help clients think clearly about the intersection of their business and personal financial lives.
Personal + Business
Financial decisions that affect both sides — considered together, not in isolation
No Product Quotas
Independent guidance focused on your goals — not commissions or sales incentives
Long-Term Partnership
We stay engaged as your business grows and your priorities evolve over time
Planning Areas
Where Business and Personal Finances Connect
Retirement Planning for Business Owners
Guidance related to retirement planning strategies for business owners, including considerations around business-sponsored retirement plans and long-term income planning.
Succession & Exit Planning Considerations
Planning discussions related to business succession, ownership transitions, and liquidity event preparation — coordinated alongside qualified legal and tax professionals where appropriate.
Tax-Aware Planning
Coordination of financial decisions through a tax-aware lens, including considerations around business structure, compensation strategy, and investment decisions alongside qualified tax professionals.
Investment Management
Personalized investment strategies designed to align with long-term financial goals, liquidity needs, and the broader context of business ownership.
Concentrated Wealth Considerations
Guidance related to managing concentrated business interests and navigating the financial implications of business-related wealth events.
Advisor Coordination
Collaboration with CPAs, attorneys, and other professionals to help create a more cohesive financial strategy across your business and personal financial life.
“Independent Guidance for Complex Financial Lives”
Business owners often work with multiple advisors across different areas of their financial life — without a central point of coordination. At St. Johns Asset Management, our role is to help simplify this complexity through personalized guidance grounded in structure, transparency, and long-term thinking. Our focus is on helping you understand your financial picture clearly and make informed decisions aligned with your goals — both inside and outside your business.
Serving Northeast Florida and Beyond
Financial Planning for Business Owners in Florida
St. Johns Asset Management provides independent financial planning guidance for business owners, entrepreneurs, and executives throughout Florida, including Jacksonville, St. Augustine, Palatka, and Northeast Florida communities. We work with business owners who are managing the intersection of business and personal financial decisions — including retirement planning, succession considerations, tax-aware strategies, and investment management. Our guidance is designed to bring greater clarity, coordination, and long-term perspective to complex financial lives. We offer a complimentary consultation to explore whether our approach is the right fit for your planning goals.
Common Questions
Frequently Asked Questions
Should I separate my business and personal financial planning?
Many business owners try to, but in practice the two are rarely separate — a business sale, a capital call, or a slow season all directly affect personal finances, and personal goals like retirement timing often shape major business decisions. We find that planning for both together, rather than in isolation, leads to better-informed decisions on each side.
What should I be thinking about if I plan to sell or exit my business in the next few years?
Exit and succession planning benefits from lead time — tax-aware structuring, valuation considerations, and personal financial readiness are all easier to address well before a transaction than during one. We help business owners think through the financial side of an exit in coordination with their attorney and CPA, even years before a sale is finalized.
How do you help with concentrated wealth tied up in my business?
When a significant portion of net worth is tied to a single business, diversification and liquidity planning become important considerations. We help business owners think through how to balance the value built in their company with broader financial goals like retirement, estate planning, and risk management.
Do you work with business owners who don't have a CPA or attorney yet?
Yes. While we always recommend qualified legal and tax professionals for those specific areas, we're happy to be part of the conversation as you build out your broader advisory team, and can offer perspective on what to look for in those relationships.
What retirement plan options make sense for a small business owner?
The right retirement plan structure depends on factors like business size, employee count, and cash flow — options range from SEP IRAs to solo 401(k)s to more complex defined benefit plans for business owners seeking higher contribution limits. We help business owners evaluate which structure aligns with their goals and circumstances.
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Ready to Get Started
Clarity. Coordination. Long-Term Guidance for Business Owners.
As a business owner, the financial decisions you make today can have meaningful long-term implications for your business, your family, and your future. St. Johns Asset Management provides independent guidance designed to help you navigate this complexity with clarity and confidence. We offer a complimentary consultation to determine whether our approach is the right fit for your goals.
St. Johns Asset Management does not provide legal or tax advice. All investment strategies involve risk, including the potential loss of principal. Clients should consult qualified legal, tax, and financial professionals regarding their individual circumstances. Advisory services offered through St. Johns Asset Management (“SJAM”), a registered investment adviser.