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Whether you're a new startup, established entrepreneur or part-time consultant, you likely face a unique set of financial risks and opportunities as a small business owner.

Having a financial advisor who understands the nuances of your business is everything.

As an independent wealth management firm, we get it; we’re business owners, too. Our experience in corporate audit, tax and business banking allows One-Up Financial to specialize in small businesses like yours to successfully plan for a long, healthy retirement.

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Our small business owners' top challenges

Concentration Risk

Often the value of your business is your largest asset. With most of your wealth tied to one company, risk management and diversification become incredibly important to ensuring your long-term financial success.

Lack of Time 

If you’re like most small business owners, you’re usually focused on running your business, and may not have the time or expertise to effectively manage your investments. 

Competing Priorities

Investing in the growth of your business often competes with saving for retirement. As a small business owner, you might over-prioritize reinvesting profits into the business and under-contribute to retirement accounts.

Succession Planning

Planning for the eventual transfer or sale of your business is crucial, but it can be complex and emotionally challenging as you’ve poured your heart and soul into building your business.


Small business owners face a more complex tax system than the typical investor. As such, it can be difficult to manage cash flow and plan for retirement in the most tax-efficient way.

Financial Planning for
Small Business Owners

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Services tailored for small business owners include:
  • Strategically planning for the sale of your business

  • Concentration risk management

  • Optimizing your small business retirement plan

  • Personal retirement planning

  • Management of your investments

  • Tax planning and implementation

  • Estate planning

Creating a well-structured financial plan for your small business is essential to ensuring a more secure financial future. Let One-Up Financial help.

Contact us today!


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1001 State Street

Suite 907

Erie, PA 16501


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