Grow and Protect Your Wealth with a Financial Advisor for Business Owners

How We Help Grow and Protect Your Wealth

At Haynie Wealth Management, successful investing means more than market returns—it means aligning portfolios to life goals and taxes. Our approach is built for retiring business owners who want clear, tax-aware guidance from a financial advisor for business owners, with planning that supports income today and longevity tomorrow. We serve clients in Salt Lake City and across Austin, Houston, Phoenix, and Denver through in-person and virtual meetings.

Questions We Help You Answer

  • What can I do to minimize taxes from my retirement accounts?
  • How should I adjust my investment strategy as I transition into retirement?
  • What level of risk is appropriate for my portfolio in retirement?
  • Are there investments more suitable for retirees seeking steady income?
  • How can I generate reliable income during retirement without overspending?
  • What is the right allocation to properly diversify my portfolio?
  • What is a qualified charitable distribution (QCD), and can it help lower my taxes?
  • How often should I review and rebalance my portfolio in retirement
  • What strategies can help manage market volatility while staying invested?
  • Are there options for leaving a financial legacy for my heirs through strategic planning?

What We Offer

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Proactive Strategy

We monitor and adjust your portfolio as markets and life change, keeping allocations aligned with your goals.

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Tax-Efficient Investments

We focus on after-tax returns using asset location, thoughtful rebalancing, and smart realization of gains and losses.

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Customized Portfolios

Your portfolio reflects your timeline, cash-flow needs, and comfort with risk.

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Diversification & Risk Management

We build broadly diversified portfolios to help you stay invested through volatility.

Tax-Efficient Investing

Asset Location
Place holdings across taxable, tax-deferred, and Roth accounts to support net, after-tax outcomes.

Loss Harvesting
Realize losses when appropriate to offset gains and manage brackets.

Rebalancing Thresholds
Maintain discipline with guardrails that weigh costs, taxes, and drift before trading.

From Business Sale to Portfolio

Staged Diversification
Transition concentrated positions over time with attention to basis, lots, and market conditions

Basis and Lot Strategy
Use tax lots intentionally to manage gains while reshaping risk.

Liquidity for Taxes
Reserve cash for estimated payments and one-time obligations so your plan stays on track.

Ready to Strengthen Your Financial Future?

If you’re preparing for retirement or navigating a business exit, we’ll help align your investments with a practical income plan and a clear tax perspective.

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FAQ’s: Answers That Bring Clarity to Planning

What Clients Ask Us Most

  • How do you maximize after-tax returns?

    We use asset location and tax-aware rebalancing to seek better net results—placing income-producing assets thoughtfully and realizing gains or losses with intention.

  • How do you manage concentration after a sale?

    We design a staged diversification plan that considers tax brackets, capital-gains exposure, and risk targets so concentrated holdings can transition methodically.

  • Will you work with my CPA on sale-year taxes?

    Yes. We coordinate planning and documentation with your CPA—especially in years with liquidity events or estimated tax needs.

  • Can you build an income ladder?

    Yes. We combine dividends, interest, and methodical withdrawals to support steady cash-flow while monitoring brackets, IRMAA thresholds, and portfolio health.

  • How often do you rebalance?

    We use disciplined thresholds. When drift, taxes, and costs justify action, we trade; otherwise, we let allocations work and review at scheduled intervals.