Where SRG Fits in Your Financial Architecture
Your CPA, attorney, insurance professional, lender, and benefits provider may each handle an important part of your financial life. SRG Consulting helps ensure those pieces work together. We identify the gaps, model the consequences, and coordinate a roadmap connecting your business, personal wealth, retirement, protection, succession, and legacy.
The Coordination Gap
Most business owners work with capable professionals — a CPA who files returns, an attorney who drafted the operating agreement, a lender who financed the equipment, and a benefits broker who set up the 401(k). The problem is not the quality of any individual advisor. The problem is that no one is responsible for making sure their work connects.
An unfunded buy-sell agreement is a lawsuit with a signature line. An estate plan that ignores the business turns your largest asset into your family's biggest problem. A commercial loan with a personal guarantee can pull your family's assets into a business downturn. These gaps don't show up in any single advisor's silo — they live in the spaces between them.
We Identify the Gaps
We start with The Business Owner Exposure Score™ — a 12-question diagnostic that maps your exposure across succession, tax structure, personal-business entanglement, key-person protection, and estate planning. The score reveals where the architecture is missing before a triggering event exposes it.
We Coordinate the Team
We do not replace your CPA, attorney, or lender. We serve as the strategic architect who ensures their work fits together — coordinating buy-sell funding with your attorney's agreements, aligning trust structures with your CPA's tax strategy, and connecting commercial capital to your succession timeline.
We Model the Consequences
We quantify what a gap would actually cost in a real scenario — a partner's death, a forced sale, a bad year — so you can prioritize the two or three moves that close the most exposure fastest. You leave with the map whether or not we ever work together.
We Build the Roadmap
The output is a coordinated strategic roadmap — not a product pitch. It connects commercial funding, succession planning, buy-sell funding, key-person protection, executive benefits, estate strategy, retirement income, and wealth preservation into a single architecture you can execute with your existing team.
How the Pieces Connect
Succession & Buy-Sell Funding — We coordinate with your attorney to ensure the buy-sell agreement is not just signed but funded, so ownership transfers are executable the moment they are triggered.
Key-Person Protection — We identify concentration risk in leadership and structure coverage that protects enterprise continuity, lending covenants, and revenue stability.
Commercial Capital — We help you understand the terms, covenants, and personal guarantee implications of your capital stack before you sign — and align funding with your succession timeline.
Executive Benefits — We design deferred compensation and retention strategies that keep your leadership team intact through ownership transitions.
Estate & Trust Coordination — We coordinate with your estate attorney to ensure trust structures address your business interest, not just personal assets — avoiding probate exposure on your largest asset.
Retirement & Wealth Preservation — We help transition business wealth to your personal balance sheet tax-efficiently, with rollover education, income sequencing, and multi-generational transfer planning.