Investment management for Windsor business owners

If you own a business in Windsor, you probably live close to the operating account. You know what came in this week, what payroll looks like on Friday, and which customer still owes you from last quarter. Cash flow is lumpy, and the money you have set aside for yourself is often mixed up with the money the business needs to keep running.

Vital Investment Management is a fee-only, SEC-registered investment adviser that works with small business owners across Northern Colorado. Our fees are published, and we have no account minimums. We start with a fiduciary conversation about how your business and your household fit together, well before anyone talks about moving assets.

What the Windsor conversation covers

Business cash and treasury

Lumpy revenue calls for a plan for the cash that sits in the business. We help you separate operating cash, reserves, and money that is truly surplus, so each has a job. See how we approach treasury for business owners.

Wealth outside the company

Many owners have most of their net worth tied up in the business. We help you build personal savings and investments that do not depend on a single company. Read more about building wealth outside the company, or try the owner wealth gap tool to see where you stand.

Tax coordination with your CPA

Dillon Goodman, who leads our small business practice, is a CPA and CFP. We work alongside your CPA on the questions where investing and taxes overlap:

• K-1 income and the timing of distributions
• Retirement plan choice for you and your employees
• What stays as business treasury and what moves into personal investing

Planning for what comes next

Whether you plan to grow, hand the business to family, or sell someday, the decisions you make now about cash and investments shape your options later.

Local, not a call-center product

You will work with Dillon directly, not a rotating service desk. Our office is in Loveland at 4045 St. Cloud Drive, Suite 220, a short drive from Windsor. Discovery calls can be held in person at the Loveland office or by phone.

Decisions about your accounts are made here in Northern Colorado by people who know the region and the businesses in it. We also work with owners in Loveland, Fort Collins, Berthoud, and Greeley.

Curious what working with an advisor costs? Read what a fee-only advisor costs.

Start with a conversation

Begin with a 30-minute meeting with Dillon, in Loveland or by phone. Book a time or call (970) 776-3316.

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.

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