Your business needs a CFO.
So does your personal wealth.
Entity structure, tax strategy, exit planning, personal wealth — you're managing it all yourself because nobody else sees the full picture. We step in, coordinate your CPA, attorney, and advisors, and connect your business and personal finances into one strategy.
So you can get back to building. We'll handle the financial complexity.
The Founder's Dilemma
80-90% of your net worth is in your business. Traditional advisors only manage the other 10%.
No Strategic Partner
You have a CPA for taxes and an advisor for investments. Nobody is helping you grow the business, plan the exit, and protect the personal wealth simultaneously.
Business & Personal Disconnect
Entity structure affects taxes. Compensation affects retirement. Exit timing affects estate. These decisions are interconnected — but nobody is connecting them.
Exit Without a Plan
When to sell. To whom. How to structure. What comes after. These are $10M+ decisions that need a strategic advisor at the table — not just a wealth manager waiting for the check.
We're in the business with you.
We don't sit on the sidelines waiting for you to sell. We come in as your fractional business CFO — helping with business development, entity formation, cashflow management, and growth strategy.
Need capital to grow? We connect you with business lending through Evolve Lending. Selling a business valued at $5M or more? Our investment banking partners handle deal structuring and transaction financing. Need better banking? We build those relationships. Need cashflow visibility? We use Currence to plan it.
Then we tie it all back to your personal financial plan — retirement, estate, tax alignment, and risk management. Business and personal. One strategy.
We quarterback every outside professional toward one unified outcome — yours.
Business Development
Growth strategy, revenue modeling, market positioning
Entity Formation
S-Corp, C-Corp, LLC, multi-entity structuring
Exit Planning
Strategic sale, succession, ESOP, QSBS
Personal Planning
Cashflow, tax, estate, risk — tied to the business
How We Work Together
Fractional business CFO services. Strategic advisory. Personal financial planning. All integrated.
Fractional Business CFO
We sit in your business as a strategic financial partner — managing cashflow, modeling growth scenarios, and ensuring every financial decision aligns with both business goals and personal wealth.
Exit & Succession Planning
Whether you're building to sell, transitioning to the next generation, or planning an ESOP — we help you maximize value and structure the transition strategically. For businesses valued at $5M or more, our investment banking partners handle deal structuring, buyer sourcing, and transaction financing.
Entity Formation & Tax Alignment*
The right entity structure today saves millions tomorrow. We coordinate with your CPA and attorney to ensure your business structure supports your goals — not just this year, but the next decade.
Personally Tied Financial Planning
Your personal wealth is tied to your business. We plan both together — retirement, estate, risk management, and investment strategy that accounts for your concentrated position.
Quarterbacking Your Team
CPA, business attorney, M&A advisor, insurance, banker — we quarterback every outside professional toward one unified outcome. Your outcome.
*Tax planning and estate planning coordination are provided in collaboration with your existing professionals. 12 Stones Capital Partners does not provide tax preparation, legal advice, or draft legal documents.
Built around your business.
Founders need more than a wealth manager. We assemble and coordinate the specialized partners your business demands—aligned with both your company's trajectory and your personal goals.
Map the Landscape
Audit your current advisors and identify gaps in business-personal integration
Deploy Specialists
Bring in vetted partners who understand founder-specific complexity
Integrate & Execute
Every partner works from the same playbook—your unified financial strategy
M&A & Transaction Advisors
When it's time to sell, merge, or recapitalize, we bring in deal professionals who understand founder economics. Exit structure, earnout negotiation, and post-close wealth transition—coordinated from day one.
Business & Corporate Attorneys*
Entity restructuring, operating agreements, buy-sell provisions, and QSBS qualification. Legal counsel that understands how business structure impacts personal wealth—and vice versa.
PartnerCPA & Tax Strategists*
Business and personal tax integration. S-Corp vs C-Corp analysis, owner compensation optimization, multi-year tax projection, and pre-exit tax positioning—all coordinated with your wealth plan.
Business Controller & CFO
Fractional CFO, controller, and accounting services that integrate with your wealth plan. Real-time financial clarity for business operations — so every decision is grounded in accurate data as you scale.
PartnerValuation & Appraisal Experts
Annual business valuation tracking, 409A valuations, and pre-transaction appraisals. Understanding what your business is worth today drives every planning decision we make together.
Banking & Capital Partners
Business lines of credit, SBA lending, equipment financing, and personal banking. We connect you with institutions that understand founder cash flow dynamics and growth-stage capital needs.
Insurance & Risk Specialists
Key person insurance, buy-sell funding, business overhead disability, and personal coverage. Risk management that protects both the business asset and the family behind it.
Your business doesn't exist in a vacuum—and neither should your advisory team. We ensure every partner understands both sides of your balance sheet, so business decisions and personal wealth decisions move in the same direction.
Estimate Your Investment
Answer these questions to estimate your planning fee based on the complexity of your business and personal financial life.
Click on a question above to begin your complexity assessment
Ready for a strategic partner?
Fractional business CFO. Exit planning. Entity formation. Business lending. Investment banking. Personal wealth. All connected under one team.
Schedule a Discovery Call