Owners scroll social media looking for ideas they can use in their business, not general money tips. These posts each speak to one decision an owner makes, in a way that invites a conversation.
A lot of owners plan to fund retirement by selling the business someday. Sometimes that works. Sometimes the sale takes longer, brings less or never happens. Saving outside the business, even a little each year, means your retirement doesn't hang on one buyer. What would it take to start that this year?
A strong year feels great until the tax bill arrives. An order that keeps a good year good. Set aside the tax you'll owe first. Build up cash in the business for a slower stretch. Fund your retirement plan. Then reward yourself. The order matters more than the amounts.
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Two retirement plans owners ask about a lot. A solo 401(k) is for owners with no employees other than a spouse. You can contribute as both the employee and the employer. A SEP IRA is simple to set up. Only the employer contributes, and contributions generally have to go to eligible employees too. The right fit depends on your business, your income and your team. Worth a conversation before year-end.
If you have a business partner, here's a question worth asking this week. What happens to your share if one of you dies, becomes disabled or wants out? A buy-sell agreement answers that ahead of time, including who buys and how the price is set. Without one, your family and your partner may have to work it out at the hardest moment. If yours is more than a few years old, it may be time to look at it again with your attorney.
You probably know your revenue to the dollar. Do you know what the business would sell for? A rough number helps with almost every other decision, from how much to save outside the business to when you might step back. You don't need a formal valuation to start. A conversation and a few numbers can get you close.
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Nothing posts without your approval.Ideas they can use in their business, like retirement plans for owners, buy-sell agreements and what to do with a strong year. Posts that show you understand an owner's decisions do more than general money tips.
Use them as a starting point. Change the wording to sound like you, check the details for the year you post, and run them through your firm's compliance review before they go out.
Keep posts educational, avoid recommending a plan or strategy to the public, and send legal or tax questions to the right professional.
The graphics on this page were made by Watt for Harbor & Pine Financial, a sample firm. Figures are for 2026 and come from the sources named in each post. Check them for the year you post.