Business Owner Solutions

Owning a start up, small, or medium sized business can be both exciting and challenging every day. Due to the integration of a business owner's personal and business finances, most business owners need an expert who understands how to help maximize every dollar that goes in and out of your business. oXYGen Financial created the role of a Private CFO® to help our business owners focus on what makes them the most money - growing their business. We do this through a unique approach that will help you save time, reduce stress, and maximize your efficiency with only a fraction of the cost of hiring a CFO.

Some of the key questions that are unique to small and medium sized business owners which you should be asking yourself today:

  • Have I set up the right entity for my business?
  • Am I using all of the tax management strategies at my disposal to minimize my tax liability with the Government?
  • How can I use the business to help me increase my personal net worth?
  • Do I have a business will (especially if you have a partner)?
  • What kind of retirement plan should I set up at my company?
  • How do I put myself in a better situation with banks given today's environment?
  • Can I get a better deal on any of my operating expense costs today?
  • How can I retain and motivate my top employees?
  • How will I be able to exit from the business one day? (and pay the least amount of taxes?)

If you can't answer these questions, then oXYGen Financial can definitely help you make your business work harder for you. Since we are business owners, we genuinely understand the emotional and financial stress a business owner goes through every day. Many business owners we meet have financial advisors, insurance agents, or stockbrokers who don't look at their entire picture. Begin breathing easier with oXYGen Financial today.


Bill Shopping

Did you ever wonder if your office manager or assistant is getting you the best deals on all of your bills? We will look at everything from your phone system to your copy machine contracts to help the bottom line. This service has been a favorite from our business owners.

One Picture Of You - The Personal Dashboard

Most business owners have many different accounts between banks, mortgages, investments, insurance plans, and frequent reward programs. In addition, a business owner generally acquires many important documents including articles of incorporation, business agreements, mortgage deeds, and retirement plan documents. We have a specially designed software program where you can see all of your accounts from every mortgage, bank, investment, insurance, and frequent reward company all updated in one place daily. You can see this on your computer anywhere in the world or on your Blackberry or i-Phone. No more Excel spreadsheets or having to spend money on having your staff prepare a Personal Financial Statement for the bank. Also, you will have an online safety deposit box to store all of your important documents.

One Clear Picture


Retirement Plans

Do you know if you should have SIMPLE, SEP, 401(k), or some other type of retirement plan? The design of the right custom retirement plan may help you save money in income taxes and retain key employees in your business. We will help you create and install the retirement plan in your business.

Major Benefit Plans

We will handle all major benefits including health, dental, vision, life, disability, and supplemental benefits. Our key is to help the business owner design the right kind of insurance benefit plans, and then to ensure we shop the market place to get the very best price. With the rising cost of benefit plans it is important that these benefits are reviewed each and every year.

Executive Benefits

There are many tax favored retirement and compensation plans that can be set up for the business owner. One of the biggest mistakes we see business owners make is to place all of their retirement chips on the sale of their business in the future. There are specific plans that can add current and future tax benefits to you the owner. We can also design 'golden-handcuff' plan to help motivate and retain key employees in your business.

Exit Planning

Inevitably every business owner will one day exit from their business. You spend many years of hard work building up your business, and it is extremely important to manage and plan for how to sell your business. How do you get the most value for your business? How do you bring in a successor owner or transition the businesses to another family member? What is the smartest way to sell the business from a tax perspective? What if you die or become disabled today? We examine these questions any many more in the exit planning process.

Entity Design

Should you set up an LLC, an S-Corporation, C-Corporation, or some other design for the business? We often see business owners measure once and cut twice when they pick their entity design. We can help you walk through the pros and cons of this important design whether you own one or multiple business entities.

Investment Planning

We assist business owners in managing their assets upon liquidation of the business, or regular investments that are set aside while the business is growing. Since we are independently owned, we can offer a wide array of investment services to help our business owners manage and track their hard earned money.

Tax Preparation

Within oXYGen Tax and Business Services, we can assist in finding you the very best in tax preparation and advice. We help you take a proactive approach to managing your taxes. We offer a comprehensive and integrated service where our Private CFO® works closely with the CPA. This coordinated approach allows us to help our business owners effectively minimize their overall tax liability.

Educational Financial Workshops

We have a group of highly skilled presenters that conduct a series of financial education programs at your company. We have found that keeping your employees educated is an important piece to help decrease absenteeism, increase employee productivity, and maintain higher retention rates. Our programs range from effective debt management strategies, to college education planning, and retirement planning.


In today's world, you need to make your business work most effectively for you. Hiring a full time CFO can cost an arm and a leg in today's economy, especially for the small and medium sized business owner where your office manager or a staff person have to handle helping to make some of these important decisions. Most financial advisors are merely salespeople selling some investments. Insurance agents are focused on selling some type of insurance policy. Accountants can often being doing tax preparation, but not thinking proactively around the future. We designed the Private CFO® role to give you a right hand person to help save you time, money, and the stress of making these decisions. We provide both a high touch and high tech relationship so you can see a dashboard of your entire financial picture in one place anywhere in the world.

Thanks for considering oXYGen Financial. We welcome the opportunity to help you breathe easier®, and help you achieve financial independence, purpose, and freedom.

CLICK HERE To Learn More By Meeting With An oXYGen Financial Private CFO®