At The Robinson Financial Group, we help business owners grow, manage, and exit their business while creating the liquidity needed to provide for their family.
Having consulted with business owners for decades, we provide specialized guidance with:
It’s only natural that business owners would want to associate with professionals who understand the challenges and nuances of running a business. We recognize that each business is unique, so we spend time understanding what goals are top of mind for you while building and strengthening your business. Alongside our firm’s network of subject matter experts and specialists, we can help address a variety of your needs, such as cash management, retirement and succession planning, asset protection, cash management, and employee benefit options.
- Cash & Liquidity Needs Planning
- Key Employee Retention
- Business Succession Planning
- Investment Management
- Risk Management
It’s only natural that business owners would want to associate with professionals who understand the challenges and nuances of running a business. We recognize that each business is unique, so we spend time understanding what goals are top of mind for you while building and strengthening your business. Alongside our firm’s network of subject matter experts and specialists, we can help address a variety of your needs, such as cash management, retirement and succession planning, asset protection, cash management, and employee benefit options.
We work with business owners to understand the next phase of their life – family income needs, tax impacts, generational wealth transfer, and charitable wishes. We coordinate planning with your legal and tax professionals to help establish a comprehensive estate, tax, and legacy plan. Finally, one of the most essential services we provide is educating the next generation regarding your family values and dynamics associated with wealth.
With our integrated family-business planning structure, The Robinson Financial Group can help equip you with a wealth of services, including the following:
- Advanced personal planning for you and your family
- Tax-efficient solutions
- Estate planning options
- Risk mitigation solutions for your family, estate, and legacy
- Retirement income and liquidity planning
- Real estate specialized financing
- New career investment – separation from service, lifestyle from investment, liquidity, banking, and specialized finance
- Charitable intentions – establishing private foundations, donor-advised funds, legacy planning
- Networking with other business owners
As a member of the Wells Fargo Advisors network, we draw upon the vast resources of Wells Fargo Bank, N.A., one of the nation’s largest banks. The Robinson Financial Group helps connect business owners and CFOs with private banking, cash management, investment, and lending solutions.
With most of their net worth invested in their businesses, business owners value our ability to help them manage their liquidity and tax management needs. We also provide specialized guidance in the areas of commercial real estate, employee stock option plans (ESOPs), medical and dental practices, and specialized lending.
The Robinson Financial Group goes above and beyond the basic investment management and insurance services offered by most. We strive to understand your unique business demographics and employee needs, then help tailor solutions that go beyond a simple investment product sale. These advanced solutions are designed to help enhance recruitment and retention of key employees.
Additionally, The Robinson Financial Group assists in identifying tax deferral opportunities through high-level options such as profit sharing, deferred compensation, and defined benefit plans. We help you understand the risks associated with frozen pension plans and help convert the plans to more productive solutions.
At The Robinson Financial Group, we prepare business owners years in advance of their ultimate business exit. As a Certified Exit Planning Accredited (CEPA®) professional, Leo Robinson draws upon a team of internal and external partners to help you understand the multitude of business succession options available, whether that be a transition to family, to employees (ESOPs), or to third-party private buyers. From transferring ownership options to tax efficiency questions, our team and our network of trusted professionals can guide you to a business succession plan which best suits your needs.
Through our Wells Fargo banking resources, we help business owners and buyers access specialized funding needed to finalize a business sale. We work with you to construct plans for various life events, helping protect you no matter what transpires.
The Robinson Financial Group goes beyond basic portfolio management by providing you with a comprehensive review of your cash flow, liquidity, and investment risks and needs. We also understand you have different challenges and needs than those of a traditional investor. Therefore, we have extensive experience in managing profit sharing, pension and deferred compensation plans, and the specific challenges those plans have.
Given that much of a business owner’s net worth is tied up in their business, we manage your cash and investable assets with this in mind. Your need for liquidity, employee bonuses, and tax payments require customized investment portfolios that meet the unique needs of your business and family needs. We put measures in place to help you work toward a potential liquidity event and advise you on building capital for buyouts and future investment in the company.
As a Certified Exit Planning Accredited (CEPA®) professional, Leo Robinson understands the importance of unlocking the value of a business through effective risk management. Where many advisors simply refer to insurance brokers who sell commercial policies, The Robinson Financial Group works independently with the goal of uncovering and helping mitigate risks to your business’ value. We work to protect you and your business through advanced estate planning and insurance solutions.
Read the example scenarios below to better understand how our services can help business owners like you.
A client’s family member referred Lee, a tech entrepreneur, who was getting ready to sell his business and needed help preparing for this significant liquidity event. He wanted to be able to leave the business on his terms and at an optimal time in his life. Lee understood the importance of obtaining an accurate valuation and employing strategies to maximize the value of the business, as well as planning for the significant tax implications.
We helped Lee look at the transaction with special consideration given to personal income and tax implications. Leo Robinson holds the Certified Exit Planning Advisor (CEPA®) designation, which equipped him to provide Lee with guidance around the valuation, sale, tax and estate considerations, and other opportunities he was weighing, including structuring the sale as an Employee Stock Option Plan (ESOP). Our planning process started with personal and business goals, as well as an assessment of Lee’s exit readiness.
We subsequently identified exit options best aligned for Lee’s situation. We developed an investment plan and diversified well balanced allocation tailored to his objectives to grow his family’s new wealth in a socially responsible way and to provide secure income while he was finding his next opportunity. We also developed a comprehensive estate plan strategy to ensure that the wealth Lee worked so hard for would transfer to his family in the most efficient way.
Eileen is a current client of ours and the owner of an engineering firm. Together with her two partners, they have seen the company grow from the three of them to 25 employees. In one of her regular reviews with our team, Eileen requested our advice on what strategies she could employ to help retain employees, and what options she had to manage company risk regarding cash and liquidity.
First, we brought in Eileen’s other two partners and reviewed their employee benefits coverage together. We helped them establish a new 401(k) for the company which helped save money and offered more choices for their employees. Since we had all three partners together, we set up a deferred compensation profit sharing plan for them and worked with each partner individually to develop investment plans around their unique retirement goals and time horizons.
Next, we conducted a business risk assessment and found a high-to-moderate amount of risk in how the company was managing their cash. They had large assets tied up with their local bank, and Eileen agreed that she wanted to improve returns on cash investments. We brought in private bankers and specialists through Wells Fargo Advisors to help diversify their business banking and liquidity options and ultimately make the company’s cash work better for them.
These case studies are hypothetical and for discussion purposes only. They are not intended to represent any specific return, yield or investment. Individual experiences referenced above may not reflect the future experience of any one client. The planning process discussed may not be suitable for your personal situation, even if it is similar to the example presented. Past performance is no guarantee of future results. Investing involves risk including the possible loss of principal.
Wells Fargo Advisors is not a legal or tax advisor. You should consult with your attorney, accountant and/or estate planner before taking any action.
Any estate plan should be reviewed by an attorney who specializes in estate planning and is licensed to practice law in your state.
Wells Fargo Advisors is not a legal or tax advisor. You should consult with your attorney, accountant and/or estate planner before taking any action.
Any estate plan should be reviewed by an attorney who specializes in estate planning and is licensed to practice law in your state.
Your relationship with our team is built on a full understanding of your financial needs and objectives. We deliver the vast resources of Wells Fargo including Wealth Planning, Private Banking, Trust and Fiduciary Services, and Insurance as well as various customized and more traditional lending products.
We are always available to provide advice and guidance for every aspect of your financial life. As we work with you to create a fully integrated and personalized investment plan, we draw on an extensive pool of knowledge and insight.
Leo Robinson
- Managing Director - Investments
Jason Schott
- First Vice President - Investments
Patrick Kelley
- Financial Advisor
Kim M. Valentine
- Senior Registered Client Associate
Klay Meta
- Registered Client Associate
At Wells Fargo Advisors, we are fortunate to be surrounded by exceptional talent and resources. We wanted to highlight a few resources that we use often to help our clients through some complex situations.
Wells Fargo Bank, N.A.
Specialists
Specialists
Sarah Munson, CFP®
Sarah Munson, CFP®, is a Wealth Strategist at Wells Fargo Bank, N.A.1,2 in the Wealth & Investment Management division. With more than 20 years of financial services experience, Sarah helps clients develop customized estate3, wealth, and legacy plans based on their personal values, asset growth, and wealth transfer goals.
Tim Rahr, CEPA®
Tim Rahr is a Wealth Planning Strategist at Wells Fargo Bank, N.A.1,2 who helps business owners consider various business succession alternatives and strategies. Tim advises business owners with ownership transition alternatives and strategies by offering education, industry and market insights, and panning guidance regarding business transition, succession, and governance.
Janice Schoos, CTFA, CAP
Janice Schoos, CTFA, CAP is a Senior Vice President and Senior Philanthropic Specialist at Wells Fargo Bank, N.A.1,2. Janice helps individuals, families and nonprofits enhance their social impact through philanthropic giving as part of their overall wealth plan. She provides guidance in areas including gift and tax planning3, multi-generational wealth transfer, estate planning, endowment management, board governance, and the creation and management of donor advised funds, private foundations, charitable trusts, and other charitable strategies.
William Donahue
Bill Donahue is an Executive Director - Senior Trust Advisor at Wells Fargo Bank, N.A.1,2 in the Wealth & Investment Management division. Bill is a wealth management leader and trust specialist with over 20 years of experience in helping individuals, families and non-profit organizations define and achieve their financial and wealth planning goals.
Marcy Morgan
Marcy Morgan is a Senior Custom Credit Banker with Wells Fargo Bank, N.A.1,2 within the Wealth & Investment Management division. As a custom credit banker with over 20 years of experience in the financial services industry, Marcy specializes in providing deep custom credit knowledge and experience to deliver tailored lending solutions that support clients’ complex borrowing needs.
Wells Fargo Advisors4
Specialists
Specialists
Meredith Fiocchi, CEPA®
Meredith Fiocchi is an Associate Vice President – Investments at Fiocchi McCarthy ESOP Group of Wells Fargo Advisors. Meredith helps business succession clients understand the ESOP opportunity. As a Financial Advisor who holds the Certified Exit Planning Advisor (CEPA®) professional designation, Meredith provides support and guidance to business owners, ESOP trustees and employee owners. She serves on the National Advisory Committee for Ownership Culture and is a member of the National Center for Employee Ownership.
Wells Fargo Wealth and Investment Management (WIM) is a division within Wells Fargo & Company. WIM provides financial products and services through various bank and brokerage affiliates of Wells Fargo & Company.
1Bank products and services are offered through Wells Fargo Bank, N.A., Member FDIC.
2Wells Fargo Bank, N.A. (“the Bank”) offers various banking, advisory, fiduciary and custody products and services, including discretionary portfolio management. Wells Fargo affiliates, including Financial Advisors of Wells Fargo Advisors, may be paid an ongoing or one-time referral fee in relation to clients referred to the Bank. In these instances, the Bank is responsible for the day-to-day management of any referred accounts.
3Wells Fargo and Company and its Affiliates do not provide tax or legal advice. This communication cannot be relied upon to avoid tax penalties. Please consult your tax and legal advisors to determine how this information may apply to your own situation. Whether any planned tax result is realized by you depends on the specific facts of your own situation at the time your tax return is filed.
4Brokerage services are offered through Wells Fargo Advisors. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC, Member SIPC, a registered broker-dealer and separate non-bank affiliate of Wells Fargo & Company.