Asset Protection:
Keystone Wealth Advisors, LLC
Wealth isn’t just about growth—it’s about protection. At Keystone Wealth Advisors, asset protection is a core component of our financial planning process. It’s not just for the ultra-wealthy; it’s essential for anyone building long-term security.
Asset protection involves strategic planning to safeguard your wealth from lawsuits, creditors, or unforeseen liabilities. This can include the use of trusts, LLCs, insurance products, and titling strategies to shield personal and business assets. When thoughtfully executed, these structures can help ensure that your wealth remains intact for retirement, estate transfer, or future investment.
As your advisors, we take a proactive approach—coordinating with legal and tax experts to implement strategies that are customized, compliant, and effective. It’s about creating a financial defense plan that supports your life goals while minimizing exposure.
In today’s litigious environment, ignoring asset protection is no longer an option. Whether you’re a business owner, real estate investor, or retiree, safeguarding what you’ve built is just as important as growing it.
Let’s talk about how asset protection fits into your comprehensive wealth strategy. Schedule a Free Consultation with Brian Wheeler and let Keystone Wealth Advisors ensure you’re protected.
Keystone Business Brokerage
When it comes to selling a business, many owners assume that hard assets like equipment, inventory, or real estate drive valuation. While those tangible elements do matter, it’s often the intangible capitals that significantly influence a business’s worth—and the price buyers are willing to pay.
At Keystone Business Brokerage, we emphasize the Four Intangible Capitals every owner should understand:
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- Human Capital – This includes your team’s skills, leadership quality, and company culture. A talented, loyal workforce adds substantial value.
- Structural Capital – Your internal systems, processes, and documented procedures contribute to a business that can thrive without its owner. This “transferable infrastructure” is gold for buyers.
- Customer Capital – Strong client relationships, retention rates, and contract quality increase stability and predictability—two things every buyer loves.
- Social Capital – Your brand reputation, online presence, and community goodwill affect how the market perceives your company.
Each of these capitals not only adds layers of value but also reduces perceived risk—leading to stronger offers and smoother negotiations. If you’re considering an exit in the next 1–5 years, start building these intangibles now.
Let us help you understand your business’s true value and how to enhance it.
Pass-Through Entity Tax:
If you own a pass-through entity—such as an S Corporation or partnership—mark your calendar: June 15 is the next major due date for estimated Pass-Through Entity Tax (PTET) payments in many states. This often-overlooked deadline could have a meaningful impact on your 2025 tax planning and overall savings.
The PTET is a state-level workaround to the federal $10,000 cap on state and local tax (SALT) deductions. By allowing the business itself to pay state income tax at the entity level, owners can effectively bypass the SALT cap, resulting in a larger federal deduction—and often, a significantly lower total tax liability.
This strategy has been adopted by over 30 states, each with slightly different rules, elections, and payment schedules. But the core benefit remains the same: pass-through businesses can shift tax burden from the individual to the entity, creating a valuable deduction on the federal return without changing overall economics.
To take full advantage, business owners need to stay ahead of estimated payment deadlines- especially the June 15 date that applies in most participating states. Failing to act could mean missing out on this year’s deduction opportunity.
Not sure if your entity qualifies or how to make the election? Our tax professionals are here to guide you through the process and ensure your business maximizes every available benefit. Make sure all your bases are covered—schedule a quick call with our tax team before June 15 to stay compliant and maximize your deduction.
Want to Learn the Secrets
Looking for practical insights to help your business thrive in today’s rapidly changing market? Tune in to Bosma on Business every Saturday at 10 AM PST on News Talk 780 AM KOH, hosted by Keystone’s Managing Principal, Michael Bosma.
Each week, Michael brings together decades of experience and a lineup of expert guests to explore the real issues business owners face- from smart tax strategies, business startup and growth, to acquisitions, succession planning, and exit strategies. The conversations are insightful, actionable, and grounded in the realities of running and scaling a business in Northern Nevada and beyond.
Listeners gain access to real-world stories, proven strategies, and local expertise making it a valuable resource whether you’re a seasoned entrepreneur or just starting out. Topics often align with Keystone’s core services, including tax planning, outsourced accounting, business brokerage, and wealth advisory—creating a truly integrated perspective on business success.
What makes the show even more impactful? It’s interactive. Call in live during the show and ask your questions directly—Michael offers candid, thoughtful advice that can help guide your next move or reframe your thinking.
You can catch the show live on 780 AM or stream episodes online at kkoh.com/bosma-on-business. So set a reminder, grab your coffee, and start your weekend with insights that can truly move your business forward.
Don’t just listen—be part of the conversation.