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Starting a Business

Ready to turn your idea into reality? Starting a business is an exciting journey, but it requires careful planning, market insight, and financial strategy. Partnering with an experienced advisor can help you avoid mistakes when getting your new business off the ground.

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What You Need To Know

Below are just a few key aspects that you should consider and watch out for when starting your own business. Each of these areas will play an important role in your new business and may affect each other in one way or another over the next few decades to come.

1) Get a solid financial plan in place

A financial plan will help you set the foundation for a successful future. A well-considered financial plan can help you determine how much capital you may need to start and maintain your business, understand cash flows, set pricing strategies, and manage cash flows and expenses.

2) Seek professional advice for entity, taxes, and benefits

Starting a business can be overwhelming, but you don't have to go into it blind and alone. Seeking the advice of a financial, investment, tax, insurance, and/or legal professional can help you avoid costly mistakes and help you start on the right footing.

3) Plan for the unexpected

Hopefully, your business will take off; however, it is always important to hope for the best and plan for the worst, just in case. Have a plan in place for unexpected costs and events that may happen in the first year or two of business. 

Common Mistakes

CONFUSING ENTITY TYPES

Not selecting the best entity structure for your new venture

NOT ACCOUNTING FOR TAXES

Not setting aside money for taxes, and not making estimated payments

AVOIDING PROFESSIONAL ADVICE

Not seeking professional advice for investments, taxes, and insurance

Services You Should Consider

Starting a new business comes with many financial decisions that can impact your long-term success. From managing investments and minimizing taxes to securing the right insurance and planning for the future, having the right financial services in place is essential. Explore these key solutions to protect your business, maximize growth, and set a strong foundation for lasting success.

Investment Management

NEAR AND LONG-TERM STRATEGY

Have a fiduciary advisor help you create a budget and help you manage cashflows and projections for your new business, as well as plan for unexpected expenses.

Tax Planning, Prep, & Filing

Insurance Planning

Estate Planning

EFFICIENT TAX STRATEGY

Ensure you are choosing the correct entity type and are taking advantage of all available credits and deductions for your new small business, while budgeting for taxes.

PROTECTION FOR THE FUTURE

Find affordable benefits and optimize your business's benefits package to meet your specific individual needs while you focus on growing your business.

PEACE OF MIND FOR THE FUTURE

Access our network of trusted attorneys that can help evaluate your specific needs and ensure you have the correct documentation in place to start your business on the right foot.

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Have Questions or Need Advice?

By offering most tax, investment, planning, and insurance services in-house, we are dedicated to helping you reduce fees and save time when it comes to helping you achieve your financial goals and needs. You will gain peace of mind knowing all of your affairs will be coordinated, aligned, and managed with one simple phone call. 

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Cincinnati, Ohio

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Meritum Wealth Management LLC 2025

"Meritum Advisors" is a marketing name, or "DBA", for Meritum Wealth Management LLC, a Registered Investment Adviser. The information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities product, service, or investment strategy. All investments have the potential for profit or loss. Investments involve risk and, unless otherwise stated, are not guaranteed. Different types of investments involve higher and lower levels of risk. There is no guarantee that a specific investment or strategy will be suitable or profitable for an investor’s portfolio. 

The information on this site or in emails is designed for educational purposes only. Content on this website regarding financial planning, investment, tax, or legal topics should not be relied upon, standing alone or without the guidance of a capable professional, to support personalized decision-making by or affecting individual clients.

The firm only conducts business in states where it is properly registered or is excluded from registration requirements. The information presented is believed to be current. All expressions of opinion reflect the judgment of the authors on the date of publication and may change in response to market conditions. Be sure to first consult with a qualified financial adviser, tax professional, or attorney before implementing any strategy or recommendation discussed herein.

Tax preparation, filing, planning, and advisory services are offered to clients through Meritum Tax Advisors LLC, an independently owned tax services firm. 

Insurance products are sold through The Zois Group LLC, an independently owned insurance agency.  While we always strive to advise clients with their best interests in mind, insurance products and strategies may pose a conflict of interest due to the commissions that such products and strategies pay. Note that advisors working in an insurance capacity may pose some level of conflict of interest and may not be working fully in a fiduciary capacity. 

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