Custom Guidance for Business Owners

We can help create a custom financial plan that is designed to address all your interwoven objectives, supporting your business and personal needs. Whether you want help with cash flow and tax efficiency or retirement and estate planning, we can be your guide.

Discover the ways we can help Get in touch

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We can walk with you through every step of owning a business – and lend our expertise.

Assess the value of your business before you make your next strategic move
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Provide meaningful, competitive benefits to your employees
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Minimize risk to optimize business opportunities and maximize security
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A comprehensive suite of cash management and lending solutions
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Set in motion investment strategies tailored to your needs
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Building a legacy on your terms

Business owners are often too busy to reflect on whether they’re giving enough attention to what matters most. That’s why we’ve gathered resources and inspiration to help clients consider the impact they want to make in their career, family and community.

Business stages

Startup stage

As you build your venture’s foundation, we can help you:

  • Knit a safety net that includes a cash reserve
  • Build a moat around your assets via titling and insurance
  • Focus on your personal finances

Growing your business

As you take your business to the next level, we can help you:

  • Identify financing opportunities for M&A activity
  • Help with tax-aware investing and planning
  • Analyze risk as your business grows

Mature and established

As you enjoy business stability, we can help you:

  • Build up business resilience and run a stress test
  • Address your estate planning
  • Review your options for transfer of your business

Exit stage

Your life’s work is poised for a transition. We can help you:

  • Work through business valuation and how to structure a sale
  • Plan for the income tax on gains
  • Plan to help you pursue new goals post-sale

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Tax Planning
Use this calculator to estimate your self-employment taxes. Normally these taxes are withheld by your employer. However, if you are self-employed, operate a farm or are a church employee you may owe self-employment taxes. Please note that the self-employment tax is 12.4% for the FICA portion and 2.9% for Medicare.
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Tax Planning

You’ve worked hard for what you’ve built. Let us help you manage and preserve it.

Let’s start a partnership
Raymond James does not provide tax or legal services. Please discuss these matters with the appropriate professional.
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©2025 by Cogent Independent Advisors, Inc. Financial Planning and Investment Advisory Services provided by Cogent Independent Advisors, Inc. ("Cogent") dba Cogent Private Wealth, a Registered Investment Advisor and subsidiary of Cogent Group LLC. Cogent is neither a tax nor legal advisor.  Clients must consult their own tax and legal advisors prior to implementing any recommendations. Nothing on this page constitutes a recommendation for a particular investment or strategy. Nothing on this website constitutes a solicitation to buy or sell any specific security.  Cogent's home state is Florida, and can only do business with clients domiciled in states where first authorized or exempt from authorization. Cogent is not a licensed insurance agency. Cogent Tax Strategies LLC, Cogent Risk Management LLC, and Cogent Independent Advisors, Inc. are affiliated companies. Cogent Tax Strategies LLC and Cogent Risk Management are not  Registered Investment Advisors. Any phone numbers Cogent collects and any consent Cogent receives for marketing to you will not be shared with 3rd party providers. Cogent will never sell your personal data.  See our SMS Privacy Policy here.

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