Most business owners leave their planning meetings feeling good about the conversation.

But if nobody follows through on what was discussed — and nobody knows who is supposed to — the whole year gets wasted.

In this episode, Andrew Rafal and Brian Hartstein pick up where they left off in Episode 123, going deeper into the Tax Corner of the Four Corners of Business Owner Planning. This time it is about the roadmap — the specific planning areas every business owner should be asking their advisory team about, and the real-world examples that show what happens when those questions go unasked.

Brian walks through multiple entity planning, entity type analysis, benefit plan design, and the compliance details that quietly cost business owners money every year. From C corp versus S corp decisions to 401(k) eligibility mistakes to the 2026 Roth catch-up rule — this episode is where the strategy gets real.

In this podcast interview, you'll learn:

• The difference between design and structure in business planning
• How multiple entity planning works and who the rules apply to
• Why the building your business owns could be a liability and a missed opportunity
• What non-qualified plans are and when they make sense
• How a wrong eligibility setting in your 401(k) is costing you money right now
• The 2026 Roth catch-up rule and what business owners need to do before it is too late

Find All Episode Resources Here - www.bayntree.com/124

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Most business owners have a CPA, an attorney, and a financial advisor on their team.

But if nobody is driving the plan, the best opportunities get missed — not because the team is bad, but because nobody knows who is supposed to be doing what.

In this episode, Andrew and Brian dig into the Tax Corner of the Four Corners of Business Owner Planning — starting with the question most business owners never think to ask: Does everyone on your advisory team actually know their role?

With decades of experience working with business owners across complex planning scenarios, Brian and Andrew breaks down the difference between tax strategy and tax execution, why CPAs are built to be event-driven rather than proactive, and how the monitoring gap quietly costs business owners money every single year.

You will also learn why December scrambles happen, what can still be done before your 2025 business return is filed, and how the right advisory team structure sets the stage for a strong rest of 2026.

In this podcast interview, you'll learn:

• Why your CPA is focused on execution — and who should be driving strategy
• The difference between event-driven advising and proactive monitoring
• What a well-built planning triangle actually looks like
• How the Roth catch-up rule change affects business owners with 401(k) plans in 2026
• What you can still do right now to maximize pre-tax dollars before year-end

Find All Episode Resources Here - www.bayntree.com/123

Download your copy of The Entrepreneur's Financial Planning Checklist

Most business owners spend their time focused on growth — revenue, employees, and operations.

But the biggest opportunities to build wealth often aren't in the day-to-day. They're in how the business is structured, how advisors work together, and how efficiently profits are turned into personal wealth.

In this episode, Andrew is joined by Bayntree Wealth's Director of Corporate Development, Brian Hartstein, to introduce the Four Corners of Business Owner Planning — a framework for identifying where businesses are losing money and where untapped opportunities exist.

With over three decades of experience working with business owners, Brian breaks down how risk protection, employee benefits, structure and compliance, and owner wealth strategy all need to work together to create a more efficient and valuable business.

You'll also learn why most advisory teams operate in silos, how that disconnect costs business owners money, and how proactive coordination can unlock opportunities that often go unnoticed.

In this podcast interview, you'll learn:

• The Four Corners framework and how it applies to your business
• Where business owners are unknowingly losing money
• How to use pre-tax dollars more effectively
• Why most advisors fail to communicate — and what that costs you
• How proactive planning can create better long-term outcomes

Find All Interview Resources Here - www.bayntree.com/122

Download your copy of The Entrepreneur's Financial Planning Checklist