You built the business. Now you need someone who understands what that actually means for your finances.
Most business owners have a bookkeeper, maybe a CPA, and a growing list of financial decisions that no one is helping them think through. Katherine sits above all of it. One advisor who understands both your business and your personal financial life, and how the two affect each other.
Begin the Conversation →This retainer was designed for specific kinds of business owners.
The common thread is not an industry or a revenue number. It is a feeling: I need someone who can see the whole picture and help me make smarter decisions.
New Entrepreneurs
Professionals transitioning out of corporate roles who are setting up their business finances for the first time and need guidance on entity structure, tax obligations, and cash flow from day one.
Med Spa and Aesthetic Practice Owners
Navigating equipment depreciation, associate versus employee structure, owner compensation, and the unique financial complexity of a cash-pay medical business.
Influencers and Content Creators
Managing irregular income, self-employment tax, entity structure, and the challenge of separating personal and business finances when everything is intertwined.
Business Owners Generating Revenue but Not Keeping Enough
You are bringing money in but not taking enough home. You are not sure where it is going. Your current CPA or bookkeeper is not giving you strategic guidance, and you know something needs to change.
Strategic guidance, not another vendor to manage.
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01
Quarterly Meetings Plus Ongoing Access
Four meetings per year to review where you are and where you are going, plus direct access by email and phone between meetings. When a financial decision comes up, you have someone to call before you sign anything.
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02
Business and Personal Financial Strategy
Katherine advises on cash flow, owner compensation, hiring decisions, depreciation strategy, and entity structure. Business decisions do not happen in isolation from your personal finances, and Katherine never treats them that way.
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03
Coordination With Your Outside Advisors
Katherine works alongside your CPA, attorney, and bookkeeper so that one person is synthesizing all of the advice. You stop being the person who forwards documents and tries to connect the dots. She does that for you.
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04
Document and Contract Review
Before you sign an operating agreement, a lease, a vendor contract, or anything else with financial implications, Katherine reviews it and tells you what it means for your business and your personal financial picture.
An important distinction.
This is a strategic consulting relationship. Being clear about what it does not include is part of what makes it valuable. The right clients appreciate knowing exactly what they are getting.
Not Bookkeeping
Katherine does not maintain your books or reconcile accounts. She advises on what the numbers mean and what to do about them.
Not Business Tax Preparation
Katherine does not prepare business tax returns. She coordinates with your CPA and ensures your tax strategy is sound before the return is filed.
Not Legal Advice
Katherine is not an attorney. She reviews documents to help you understand their financial implications, not to provide legal counsel.
Not the Right Fit for Every Business
This retainer is for owners who are ready to be strategic about their finances and willing to act on advice. If that is not where you are yet, Katherine will tell you honestly.
What business owners ask before reaching out.
Do I need to have an existing business to use this service?
No. Some of the most valuable work Katherine does is with people who are about to launch. Getting the financial foundation right before you open the door is far easier than fixing structural mistakes after the fact. If you are still in the planning stage this engagement may be exactly what you need.
I already have a CPA and a bookkeeper. Why would I need this?
A bookkeeper records what happened. A CPA files your return. Neither one is sitting with you before a major decision, helping you think through the financial implications and making sure your business and personal finances are working together. That is what this retainer is for. Katherine coordinates with your existing CPA and bookkeeper so the advice is integrated, not siloed.
What kinds of decisions would I bring to Katherine?
The ones that feel too big to make alone and too complex to explain to your bookkeeper. Hiring your first employee and not knowing how to structure compensation. Considering a second location and not sure what it does to your cash flow. Taking on a business partner and not understanding the financial implications. Realizing you are generating revenue but not keeping enough of it and not knowing why. These are exactly the situations this retainer is built for.
Does Katherine prepare my business tax return?
No. Katherine does not prepare business tax returns as part of this retainer. She coordinates with your outside CPA to make sure your tax strategy is sound before the return is filed. If you need a CPA to prepare your return, Katherine can help you find the right person and make sure they have what they need.
Is this service only for businesses in Newport Beach?
No. KCL Wealth Management works with business owners throughout Coastal Orange County and virtually. If you are based outside of Newport Beach but your situation is a strong fit, Katherine will work with you remotely.
What is the difference between the Business Owner Advisory retainer and the Comprehensive Wealth Management service?
Comprehensive Wealth Management includes investment management and is structured around a percentage of assets under management. The Business Owner Advisory retainer is a flat annual fee focused on business financial strategy, without an investment management component. Many business owner clients start with the retainer and transition to comprehensive wealth management as their investable assets grow.
The person you call before you call everyone else.
If you are building something and need a financially sophisticated advisor in your corner, this is where that conversation starts. Katherine will ask about your situation and tell you honestly whether this engagement is the right fit.
Begin the Conversation →