Business Owners
Helping business owners build lasting wealth through purpose-driven financial planning, enterprise stewardship, and strategic clarity.
Financial Planning
Stewardship
Wealth Management
At 3:23, we walk alongside business owners who see capital not just as a resource, but as a responsibility to steward wisely for today and tomorrow.
Business owners aren’t just running operations, they’re building something meaningful, managing risk, and planning for what comes next, whether that's growth, transition, or retirement. We partner with entrepreneurs and owners who want to make informed, aligned decisions about their business and personal finances, treating their enterprise as a key part of their overall stewardship. We serve business owners who view their company as more than a job… those navigating complex cash flows, considering major moves like raising capital or acquiring assets, carrying debt loads, evaluating equity options, or preparing for an eventual sale or exit. Many seek biblically rooted financial guidance to align their decisions with their values, ensuring simplicity and impact while protecting what they've built.
What We Offer
Faith-Driven Financial Planning
Personal stewardship plans that integrate your budgeting, charitable giving, investing, and retirement strategy, custom-built for the irregular income, tax complexities, and life rhythms unique to business owners, all aligned with your core convictions and long-term vision.
Business Exit & Transition Guidance
We help you prepare for a successful sale or transition, maximizing value so you don't get shortchanged... structuring deals, minimizing risks, and planning the next chapter with confidence.
Retirement & Wealth Strategy for Business Owners
Customized retirement planning that goes beyond the business itself - optimizing savings vehicles (401(k), SEP IRA, etc.), projecting realistic income replacement, and building diversified wealth so your enterprise supports (but doesn't solely define) your future security.
Tax Strategy & Optimization
Proactive tax planning in close partnership with your CPA, covering business deductions, entity structure, sale/exit implications, deferred compensation options, and strategies to reduce liabilities while staying compliant and aligned with your goals.
Business Cash Flow & FP&A Support
In-depth business financial visibility: monthly/quarterly cash flow projections, detailed expense reviews and optimization, budgeting/forecasting models, scenario planning (growth, downturns, acquisitions) so you can make confident decisions on hiring, inventory, capital investments, or expansion without surprises.
Faith-Driven Financial Planning
Personal stewardship plans that integrate your budgeting, charitable giving, investing, and retirement strategy, custom-built for the irregular income, tax complexities, and life rhythms unique to business owners, all aligned with your core convictions and long-term vision.
Business Exit & Transition Guidance
We help you prepare for a successful sale or transition, maximizing value so you don't get shortchanged... structuring deals, minimizing risks, and planning the next chapter with confidence.
Retirement & Wealth Strategy for Business Owners
Customized retirement planning that goes beyond the business itself - optimizing savings vehicles (401(k), SEP IRA, etc.), projecting realistic income replacement, and building diversified wealth so your enterprise supports (but doesn't solely define) your future security.
Tax Strategy & Optimization
Proactive tax planning in close partnership with your CPA, covering business deductions, entity structure, sale/exit implications, deferred compensation options, and strategies to reduce liabilities while staying compliant and aligned with your goals.
Business Cash Flow & FP&A Support
In-depth business financial visibility: monthly/quarterly cash flow projections, detailed expense reviews and optimization, budgeting/forecasting models, scenario planning (growth, downturns, acquisitions) so you can make confident decisions on hiring, inventory, capital investments, or expansion without surprises.
Faith-Driven Financial Planning
Personal stewardship plans that integrate your budgeting, charitable giving, investing, and retirement strategy, custom-built for the irregular income, tax complexities, and life rhythms unique to business owners, all aligned with your core convictions and long-term vision.
Business Exit & Transition Guidance
We help you prepare for a successful sale or transition, maximizing value so you don't get shortchanged... structuring deals, minimizing risks, and planning the next chapter with confidence.
Retirement & Wealth Strategy for Business Owners
Customized retirement planning that goes beyond the business itself - optimizing savings vehicles (401(k), SEP IRA, etc.), projecting realistic income replacement, and building diversified wealth so your enterprise supports (but doesn't solely define) your future security.
Tax Strategy & Optimization
Proactive tax planning in close partnership with your CPA, covering business deductions, entity structure, sale/exit implications, deferred compensation options, and strategies to reduce liabilities while staying compliant and aligned with your goals.
Business Cash Flow & FP&A Support
In-depth business financial visibility: monthly/quarterly cash flow projections, detailed expense reviews and optimization, budgeting/forecasting models, scenario planning (growth, downturns, acquisitions) so you can make confident decisions on hiring, inventory, capital investments, or expansion without surprises.
Ready to start?
You’re building something meaningful… now let’s protect and steward it wisely. Simply share a few details about your scenario, and we’ll connect to discuss how we can help you plan with clarity, confidence, and eternal purpose.
Ready to start?
You’re building something meaningful… now let’s protect and steward it wisely. Simply share a few details about your scenario, and we’ll connect to discuss how we can help you plan with clarity, confidence, and eternal purpose.
Ready to start?
You’re building something meaningful… now let’s protect and steward it wisely. Simply share a few details about your scenario, and we’ll connect to discuss how we can help you plan with clarity, confidence, and eternal purpose.
All content is for information purposes only. It is not intended to provide any tax or legal advice or provide the basis for any financial decisions. Nor is it intended to be a projection of current or future performance or indication or future results. Opinions expressed herein are solely those of 3:23 Financial Services LLC and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Advisory services are offered by 3:23 Financial Services LLC an Investment Advisor in the State of Texas. Being registered as an investment adviser does not imply a certain level of skill or training. The information contained herein should in no way be construed or interpreted as a solicitation to sell or offer to sell advisory services to any residents of any State other than the State of Texas or where otherwise legally permitted. Images and photographs are included for the sole purpose of visually enhancing the website. None of them are photographs of current or former Clients. They should not be construed as an endorsement or testimonial from any of the persons in the photograph.
Website by Parable Marketing Group
All content is for information purposes only. It is not intended to provide any tax or legal advice or provide the basis for any financial decisions. Nor is it intended to be a projection of current or future performance or indication or future results. Opinions expressed herein are solely those of 3:23 Financial Services LLC and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Advisory services are offered by 3:23 Financial Services LLC an Investment Advisor in the State of Texas. Being registered as an investment adviser does not imply a certain level of skill or training. The information contained herein should in no way be construed or interpreted as a solicitation to sell or offer to sell advisory services to any residents of any State other than the State of Texas or where otherwise legally permitted. Images and photographs are included for the sole purpose of visually enhancing the website. None of them are photographs of current or former Clients. They should not be construed as an endorsement or testimonial from any of the persons in the photograph.
Website by Parable Marketing Group
All content is for information purposes only. It is not intended to provide any tax or legal advice or provide the basis for any financial decisions. Nor is it intended to be a projection of current or future performance or indication or future results. Opinions expressed herein are solely those of 3:23 Financial Services LLC and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Advisory services are offered by 3:23 Financial Services LLC an Investment Advisor in the State of Texas. Being registered as an investment adviser does not imply a certain level of skill or training. The information contained herein should in no way be construed or interpreted as a solicitation to sell or offer to sell advisory services to any residents of any State other than the State of Texas or where otherwise legally permitted. Images and photographs are included for the sole purpose of visually enhancing the website. None of them are photographs of current or former Clients. They should not be construed as an endorsement or testimonial from any of the persons in the photograph.
Website by Parable Marketing Group