Investment management for Greeley business owners

Greeley and Weld County owners tend to carry three kinds of wealth at once. There is the business itself, which is usually the largest number on the balance sheet and the hardest one to price. There are investable assets on the personal side, sometimes substantial, often built in bursts after a good year. And there is the tax picture that ties the two together, which rarely gets looked at as a whole.

Vital Investment Management is a fee-only, SEC-registered RIA, and we act as a fiduciary. We are paid by clients, not by product sponsors, so there are no commissions behind a recommendation. If you want to see what that looks like in dollars, read what fee-only investment management costs.

The office is at 4045 St. Cloud Drive, Suite 220, in Loveland. For owners in and around Greeley that is a short drive west. You can meet in person in Loveland or start by phone at (970) 776-3316. Dillon Goodman leads the business-owner practice. Decisions are made here in Northern Colorado, by people who can sit across the table from you.

What the work covers for a Greeley owner

Start with concentration. When most of a family's net worth is the company, the land, or the building it operates from, the personal portfolio has a narrower job than most people assume. It needs to stay liquid enough to absorb a slow season and separate enough that trouble inside the business does not become trouble at home. That is the design problem on investment management, and it comes before any fund selection.

Then liquidity. Many owners run the household and the company out of cash that has never been sorted. Some of it is payroll. Some is a reserve. Some is just sitting there because nobody decided what it was for. Naming those buckets is the first step on treasury management, and it usually makes the investing conversation simpler.

Retirement plans come up early, too. Whether a SEP, a SIMPLE, a solo 401(k), or a cash balance plan fits depends on payroll, employees, and how steady profits are. The business retirement plan guide walks through the tradeoffs at a high level.

Taxes are the thread through all of it. Investment decisions work better when they are made with your CPA in the loop, not reported to them afterward. Our approach is described in tax-coordinated investing. If a sale is on the horizon, Colorado taxes when selling a business covers the state side. Each article is educational, not advice.

We do not promise returns or outcomes. We will not tell you the business has to be sold, and we will not manufacture urgency. Some owners want to keep running the company for a long time and simply want the household to stop depending on every deposit. That is a reasonable goal on its own.

How Greeley owners usually start

Bring a rough picture: operating cash, personal accounts, any retirement plan already in place, and a sense of whether someone besides you could run things for a few months. Exact numbers can wait. The first meeting is for fit, not for opening accounts.

If the bigger question is a transfer or a sale rather than the portfolio, business transition planning is the place to begin. Owners weighing a sale can also read business exit planning in Fort Collins; the process is the same for Weld County owners.

Owners in Loveland, Fort Collins, and Berthoud work with the same office and the same process. These city pages exist so you land on copy that matches where you actually work.

Schedule a 30-minute introductory meeting with Dillon or write through the contact page. Form ADV and Form CRS are linked in the site footer.