You Built a Real Business. Now Build a Financial Structure That Actually Matches It.

The financial industry was designed for W-2 employees and retirees. Not for you. Not for the person writing the checks. Andrew manages your investments, places the life insurance, disability coverage, and retirement plans that protect your business and your family — and quarterbacks your CPA, attorney, and P&C broker so everything actually connects. One fiduciary. One roof.

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The Problem Nobody Else Fixes

Your tax strategy is reactive.

You hear from your CPA once a year: "Here's what you owe." That's accounting. Not strategy. Strategy is structuring your compensation, entity, and investments so every dollar works twice before it leaves your hands.

You don't have a real exit plan.

You're building great income. But income and enterprise value are different things. Eighty percent of businesses that go to market don't sell — not because they're bad businesses, but because the owner never built the thing to be sellable.

Nobody is running the whole board.

Your CPA does taxes. Your insurance advisor sold you a policy. Your investment advisor picks funds. Nobody is responsible for the way those pieces interact. Andrew collapses the investment and insurance sides into one seat — and then coordinates the CPA, attorney, and P&C broker so the rest actually connects. That gap is where wealth disappears.

The Foundation Review

A Foundation Review is a working session — not a pitch. We map your full picture as a business owner: what life insurance and disability coverage you actually need, whether your retirement plan is leaving money on the table, how your investments are positioned, and where the gaps are between your CPA, attorney, and other advisors.

Most owners find six figures in annual savings, protection gaps, or missed opportunities in the first session. Not because they're not smart. Because nobody's job was to look for them.

Why Andrew

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CFA Charterholder

The gold standard in investment analysis. Passed by fewer than 20% of candidates worldwide.

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10,000+ hours as Fractional CFO

He's been inside the financial reality of 30+ companies and $300M+ in revenue. He knows where the money actually goes.

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9-figure acquisition exit engineered

15x the initial offer value. He understands what makes a business sellable — from the inside.

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Fiduciary. Legally.

Dual-registered: RIA for investments, TDI for life insurance, disability, annuities, and retirement plans. One person, legally obligated to act in your interest. Custodied at Altruist. Insurance placed through Ash Brokerage and BackNine.

Common Questions

Straight answers

Your CPA handles compliance and tax preparation. Andrew handles the strategy — how your compensation is structured, where your retirement plan money goes, how your investments are positioned, and whether your insurance coverage actually matches your real risk exposure. The two work together; they don't replace each other. In fact, Andrew coordinates with your CPA so neither side creates problems for the other.

Most of Andrew's work with business owners isn't about exit — it's about building a financial structure that works whether you sell or not. Maximizing your retirement plan. Optimizing your compensation. Protecting what you've built. Exit planning becomes relevant when you want it to become relevant. The foundation works either way.

Possibly. Solo 401(k)s, Cash Balance plans, and DB(k) plans can often provide larger tax deductions and faster accumulation than a 401(k) alone — especially for owners with high income. Andrew reviews your current plan and compares it against what's available. If there's a meaningful advantage, he'll show you exactly what it is.

Tier 2 (Vision) is $2,500–$5,000 for the initial discovery and plan. Tier 3 (Care) starts at $1,000/month for ongoing management. For complex business situations requiring deeper analysis (105+ questions, P&L review, compensation optimization), Business Review (Tier 4) is priced separately. Andrew will give you a clear scope and price before you commit to anything.

Yes. Andrew coordinates with your existing team rather than replacing them. He reviews your current insurance coverage, retirement plan structure, and investment positioning — and works with your CPA and attorney on tax and legal strategy. If your current advisors are already doing good work, he'll tell you that.

Book a 30-Minute Foundation Review Call

No pitch. No pressure. A straight conversation about whether your financial structure matches the business you've built. If it does, I'll tell you. If it doesn't, I'll show you exactly where the gaps are.

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"You've already done the hard part. Let's make sure the money you earned actually works." — Andrew Escher