Does your business work without you?
Most business owners don’t have a revenue problem. They have an owner-dependence problem.
We help owners build companies that can grow, create wealth, and eventually thrive without relying on them every day.
“My father thought he owned a business, but what he really owned was a job.”
– Robert D. Chatterton, Jr.
Does any of this sound familiar?
Revenue slows when you’re away.
Most major decisions require you.
Your team still depends on your approval.
You’re not sure what your business is worth.
Your advisors work separately.
You haven’t built an exit strategy.
If you checked even one of these boxes, you’re not alone.
What if your business could...
- Continue growing while you take time off?
Generate value that isn’t tied solely to you?
Support your family’s long-term financial goals?
Become more attractive to future buyers?
The bottom line: You have more choices than you realize — whether you plan to sell in five years or twenty.
“Most business owners already have advisors. Few have one coordinated strategy.”
– Robert D. Chatterton, Jr.
Freedom is the ultimate success statement.
Many business owners have built successful companies through hard work, expertise, and determination. But success alone doesn’t create enterprise value. A valuable business is one that can operate, grow, and create opportunities beyond its owner. That’s where intentional planning, coordinated strategy, and the right systems make all the difference.
Build Better Decisions
Gain clarity through meaningful financial reporting and insights that help you make confident business decisions.
Keep More of What You Earn
Coordinate tax strategy with your business and personal financial goals to improve long-term outcomes.
Increase Enterprise Value
Strengthen the systems, structure, and strategy that make your business more valuable and less dependent on you.
Prepare for the Future
Align your business, personal finances, and long-term objectives so you’re ready for growth, transition, or whatever comes next.
Every Great Plan Starts with an Honest Assessment.
Imagine what's possible:
A business that creates opportunities instead of obligations.
A business that supports your family, your future, and your financial goals.
A business that can thrive—even when you're not in the room.
Meet The Chatterton Team
Robert D. Chatterton, Jr. - ChFC®, CFP®
As the Founder and President of Chatterton & Associates, Rob Chatterton is passionate about building long-term relationships with his clients, including individuals, families, and business owners. With over 20 years of experience, his commitment to providing professional and individualized service, offering proactive financial solutions, and preserving the interests of his clients is unwavering.
Sophia Chatterton - Business Solutions Specialist, CEPA®
Sophia is passionate about building relationships with business owners and helping them explore solutions that support their goals. As a Business Solutions Specialist, she combines a people-first approach with strong analytical thinking to guide meaningful conversations with prospective and existing clients.
David Hilliard - Director of Tax, EA, Certified Tax Coach, Profit First Professional
David is committed to building a team that communicates clearly, because clients deserve to understand before they decide. As a Profit First Professional and Certified Tax Coach, he genuinely enjoys helping business owners and families keep more of what they have worked hard to build. David is also a tax educator and speaker, taking complicated rules and explaining them in a way that makes sense.
Please see our disclosure for more information about these certifications.
Frequently Asked Questions
What is business owner planning?
Business owner planning is a comprehensive approach to aligning your personal and business finances. It combines business strategy, tax planning, cash flow management, succession planning, retirement planning, and wealth management to help you build a stronger business while supporting your long-term personal financial goals. Chatterton’s coordinated team works with business owners to develop strategies that evolve as their businesses grow.
Who can benefit from business owner planning?
Business owner planning is ideal for entrepreneurs, closely held business owners, partners, and professionals who want to improve profitability, reduce tax inefficiencies, prepare for retirement, or increase the long-term value of their business. Whether you’re growing your company or planning for an eventual exit, having an integrated strategy can help you make more informed decisions.
How is business owner planning different from traditional financial planning?
Traditional financial planning often focuses on your personal finances. Business owner planning considers both your business and personal financial picture together. By coordinating tax planning, bookkeeping, business strategy, retirement planning, and wealth management, your financial decisions can better support both your company’s success and your family’s future.
What areas of my business can you help me improve?
Depending on your goals, we can help evaluate cash flow, profitability, tax strategy, financial reporting, business value, succession planning, and long-term growth opportunities. Our recommendations are designed to provide greater financial clarity and help you make confident decisions as your business evolves.
Can you help me prepare my business for a future sale or transition?
Yes. Whether you’re planning to sell your business, transfer it to family members, or simply want more flexibility in the future, we can help you understand the factors that influence business value and exit readiness. Planning ahead gives you more opportunities to strengthen your business before a transition.
How does tax planning fit into business owner planning?
Taxes can significantly affect your business’s profitability and your personal wealth. That’s why we coordinate proactive tax planning with your overall business strategy, helping identify opportunities throughout the year instead of waiting until tax season.
Will my financial advisor work with my CPA and other professionals?
Yes. Collaboration is a key part of our process. Our team works together across wealth management, tax planning, bookkeeping, and business planning to provide coordinated recommendations. If you already have outside professionals, we’re happy to work alongside them to help keep everyone aligned with your goals.
Ready to discover what your business could become?
Take the next step. Request a business assessment to begin a conversation about your business and where you want to go next.
With Chatterton, you gain a dedicated team that’s committed to helping you make informed decisions with confidence, so you can focus on leading your business forward.
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