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Founder & Business Owner Services

Business Alignment

Your CFO connects business and personal wealth. Interconnected. Treated that way.

Business Planning Services

For founders with complex planning needs.

Entity Structure Optimization

Tax efficiency. Liability protection. Succession ready.

Owner Compensation Strategy

Salary. Distributions. Equity. Optimized.

Buy-Sell Agreement Planning

Protected parties. Fair valuations. Liquidity when needed.

Exit & Succession Planning

Sale. Family transition. MBO. Tax-efficient.

Business Valuation Coordination

Know your worth. Plan accordingly.

Key Person Protection

Protect against losing critical people.

What's Included

Our founder and business owner engagements cover the full spectrum of business-personal integration.

Business Owner Planning

  • Entity structure analysis and optimization
  • Owner compensation and distribution planning
  • Qualified retirement plan design (401(k), defined benefit, cash balance)
  • Deferred compensation strategies
  • Business expense and benefit optimization

Exit & Transition Planning

  • Business valuation coordination
  • Exit strategy development and timeline
  • Installment sale and structured sale analysis
  • ESOP feasibility assessment
  • Family succession planning

Risk & Protection

  • Buy-sell agreement design and funding
  • Key person insurance analysis
  • Business continuation planning
  • Liability and asset protection strategies
  • Business insurance review

Integration Services

  • Personal and business cash flow coordination
  • Investment of business proceeds
  • Estate planning for business interests
  • Tax planning across personal and business
  • Professional team coordination (CPA, attorney, banker)

Founder Engagement Tiers

Percentage of net worth or income on non-AUM assets. Higher net worth clients benefit from lower rates. We assess fitment carefully and build for 5+ years of stewardship. Our best outcomes come from deep, compounding relationships.

Standard

0.25%

Single-entity business owner with straightforward structure

  • Quarterly CFO strategy sessions
  • Annual business review
  • Basic exit planning framework
  • CPA coordination (annual)
Most Popular

Elevated

0.25%–0.45%

Multi-entity or growing business with moderate complexity

  • Monthly touch points
  • Ongoing exit strategy development
  • Buy-sell agreement coordination
  • Regular professional team coordination

Complex

0.25%–0.75%

Complex structures with active planning and transition needs

  • Bi-weekly availability
  • Active transaction support
  • Full professional team quarterback
  • Priority access and response

Investment management fees are separate and tiered based on assets. Fee-based planning clients receive reduced AUM rates.

The 12 Stones Difference

Business + Personal Integration

Complete picture. Not silos.

Your Fractional CFO

CFO-level leadership. Fractional cost. Full commitment.

Your CFO Quarterbacks the Team

CPA. Attorney. Advisors. One CFO coordinating all of it.

Long-Term Partnership

Desired multi-year relationship. Invested in your success.

Planning Your Exit?

Whether you're 10 years out or actively in negotiations, exit planning is about more than maximizing sale price. We help you think through tax implications, reinvestment strategy, lifestyle design, and legacy goals—so you're prepared for life after the transaction.

  • Installment sale and structured sale analysis
  • Tax-efficient transaction structuring
  • Post-sale investment and lifestyle planning