Your Abundancia Plan
As long as you depend on the business to live, the business will depend on you to exist. That's why we look at your personal life, your business, and your life plan as a single design: the Financial Trifecta.
Your financial plan starts with you: your family, your work, your language, your values, and the stage of life you're in. From there we choose the instruments. So every decision has a reason you recognize as your own.
We look at your full picture. What comes in and what goes out each month. Your emergency reserve. The debts worth tackling first. What you already have working in your favor — often more than you imagine.
We work with what we have. That's our motto. The first available capital is usually in what already exists: expenses that can be reorganized, accounts that can be separated, benefits you're not yet using.
And we understand our community's context. Supporting family, remittances, the business born at the kitchen table, the Hacienda and federal tax returns. All of that fits in your plan.
- Cash flow and a budget that holds up in real life
- An emergency reserve
- Order and strategy for your debts
- Separating personal finances from the business
- Goals with a date: a home, education, a project of your own
Thinking about retirement means thinking about how you want to spend your days. Where you want to live. With whom. Which projects you want the time to pursue. With that image clear, the numbers start to make sense.
If you're self-employed, you build your own retirement. That's what tools designed for the self-employed are for: Keogh, Solo 401(k), IRA accounts, and other options that adjust to how your income comes in. We explain each one in plain language and find which one fits you.
We also look at Social Security. When it's best to claim it, how it combines with your other income, and what happens with your spouse. These are decisions you make once and that stay with you for many years.
Each year has its contribution window and its tax benefits. We help you see them ahead of time, so every contribution has its purpose.
- Your retirement goal in numbers, based on the life you want
- Retirement options for the self-employed and for salaried workers
- A Social Security strategy
- The tax benefits of your contributions, alongside your CPA
- Income for your retirement years
Protecting is part of planning. The right coverage lets your family and your business stay their course if life changes direction. And a well-organized legacy makes sure what you built reaches whom you decide.
We review the coverage you already have and what your stage of life calls for today: life insurance, disability, medical expenses, and protection for your business. We explain what each policy covers and what it's for, without the jargon.
Legacy goes beyond the paperwork. It's the conversation with your family, up-to-date beneficiaries, the will, and your business transition. For the legal side we work alongside attorneys from Tu Mesa de Abundancia™ and the professionals already by your side.
- A review of your policies and your beneficiaries
- Life and disability insurance for you and your business
- Buy-sell agreements between partners
- A will and legacy planning, with legal counsel
- The conversation with your family about what's ahead
As long as you depend on the business to live, the business will depend on you to exist. That's the conversation we have with every self-employed person and every small-business owner who comes to us.
You gave 15, 20, 30 years to your business. The time comes to think about what's next: selling it, passing it to your children or your team, or closing on your own terms. All three exits are prepared ahead of time, and every year of preparation adds value.
The first step is knowing what you built is worth. A buyer pays for what the business does when you're no longer in the room. That's why we assess four dimensions:
- Capital: the business's resources and their independence from your personal finances
- Clients: how spread out and transferable your client base is
- Culture: what lives in your head versus what lives in processes, team, and documented knowledge
- Capacity: the business's ability to sustain itself and grow on its own
Elba is a CEPA, a Certified Exit Planning Advisor from the Exit Planning Institute. We build your exit plan alongside your CPA, your attorney, and our Collaborators, so the decision lands with the whole team at the table.
Conversa con Abundancia™ is your first meeting with us: 55 complimentary minutes, over Zoom, to get to know you and understand where you are and where you want to go.
We listen first. What you want to resolve, what worries you, what excites you. Together we identify one or two clear points to work on and define your next step.
If you own a business or have capital to invest, your first meeting is the Business Mentoring session — also complimentary and 55 minutes, focused on your business.
- You fill out a short form with what you'd like to work on.
- You pick the day and time that work for you.
- You get a confirmation with your Zoom link, and a few days before, your agenda with what we'll discuss and what to come prepared with.
- We talk. You'll meet with Elba or your advisor from the Abundancia team, depending on what you need.
- You leave with your next step clear and in writing.
Your next step begins with a conversation
55 complimentary minutes to understand where you are and where you're headed.
Book your Conversa →