Business owners
You built the business. Someone should be building your plan.
ArchAngel Financial Services works with business owners in Apple Valley and San Diego, in person, on retirement plans built around the owner, coordinated estate and tax strategy, and succession — because we run a family business too. We also work with owners further out by telewealth video.
A family firm advising family businesses.
ArchAngel Financial Services was founded in Apple Valley in 1994 and is still run by the founder's family. We understand payroll weeks, tax deadlines, and the decision to reinvest instead of paying yourself.
The firm was built to keep planning, investments, tax preparation, and estate work in house. For an owner, that matters: entity structure, retirement plan design, buy-sell funding, and trust titling are one conversation, not four.
What we hear
The problems owners bring us.
The business is the plan
Everything is reinvested into the company, and the owner's own retirement is whatever is left over at the end.
CalSavers or your own plan
California requires employers with at least one employee to offer a retirement plan or register for CalSavers. Most owners are better served sponsoring their own — and do not know it.
No buy-sell, no exit
Partners with no funded buy-sell agreement, or a valuation figure written a decade ago that no longer resembles the business.
Nobody coordinating
A CPA who files, an attorney who drafted the entity, and an advisor who manages one account — and no one looking at all three together.
How we help
What we do about it.
Retirement plans built around you
Solo 401(k), safe harbor 401(k), profit sharing, or cash balance — sized first to maximize what the owner can put away, while still satisfying your CalSavers obligation to employees.
A coordinated plan across estate, tax, and investments
Entity structure, reasonable compensation, trust and titling work, and portfolio management handled by the same team — an attorney, a tax preparer, and an investment advisor working from one plan instead of three.
Succession and buy-sell
Funded agreements, valuation, and a documented path to sell or transfer — organized long before you need it.
Questions and answers
Owner questions we answer often.
- Do I have to offer a retirement plan to my California employees?
- California requires employers with at least one eligible employee to either sponsor a qualified retirement plan or register for CalSavers. Sponsoring your own 401(k) or profit sharing plan often produces a larger deduction and a much larger contribution for the owner.
- Should my business be an LLC or an S corporation in California?
- It depends on profit level, payroll, the number of owners, and your exit plan. Both carry California-specific costs, and the right answer for a $200,000 business is often wrong at $2 million. We model it rather than default to one.
- When should I start planning an exit?
- Three to five years before you want to leave. Clean books, a defensible valuation, a funded buy-sell, and a personal income plan take time to put in place — and buyers pay for readiness.
See also small business planning and planning for retirees and pre-retirees.
Let's talk about the business — and you.
An introductory meeting to understand your circumstances, answer your questions, and determine whether our work together makes sense.