Business Owners | Empower Your Business Finances Today

BDB Wealth Advisors helps business owners in Pennsylvania & other states where registered or exempt, coordinate their business and personal financial picture.

So the decisions you make in the business don’t work against your personal financial future.

You Built the Business.

Now Let’s Make Sure It Funds Your Retirement.

You May Be Looking for Help With…

Choosing the right business retirement plan — SEP IRA, Solo 401(k), SIMPLE IRA, or Cash Balance Plan — for your entity structure and income level

Understanding whether your current business structure remains the most tax-efficient option as your business has grown, in coordination with your CPA

Building a realistic succession or exit framework — what stepping away actually looks like financially, and whether your current position supports it

Getting your personal investment plan and your business finances working from the same playbook, rather than as two disconnected pieces

Beginning to invest outside the business without a clear sense of where to start or what structure makes the most sense

How BDB Wealth Can Help

Retirement Plan Coordination

We can help you evaluate tax-advantaged business retirement plan options — SIMPLE IRA, SEP IRA, or 401(k) — suited to your entity type and income level, working alongside your CPA on implementation. We also provide pension and retirement plan consulting for businesses that sponsor plans for employees.

Business + Personal Planning, Together

Your business decisions and personal retirement goals reviewed as part of one coordinated picture — not as separate silos that occasionally conflict.

Exit & Succession Framework

We help you think through what a business transition could look like from a personal financial planning standpoint — income you’d replace, realistic timeline, and gaps that may need to be addressed before you can step away.

Portfolio Management

For business owners ready to invest personal assets or business reserves, we manage portfolios on a fee-based, fiduciary basis with at least quarterly reviews and no commissions on the advisory side.

Business Account Management

We also work with corporate cash reserves, deferred compensation plan assets, and other business-owned investment accounts — not just personal portfolios.

Our Approach

1. Start with a conversation about your business, your income, and what you want your financial future to look like.

2. Develop an Investment Policy Statement tailored to your specific goals and risk tolerance.

3. Manage your portfolio on an ongoing basis with at least quarterly reviews.

4. Work alongside your existing CPA, attorney, and other professionals — complement your team, not replace it.

Our Fees

Investment management is charged as an annual advisory fee based on assets under management, billed monthly in arrears. Fees are generally negotiable and documented in your advisory agreement. We do not collect fees in advance.

Assets Under Management	Annual Advisory Fee
$10,000 – $20,000	1.20%
$20,001 – $50,000	1.00%
$50,001 – $100,000	0.90%
$100,001 – $250,000	0.85%
$250,001 – $500,000	0.80%
$500,001 – $750,000	0.75%
$750,001 – $1,000,000	0.65%
$1,000,001 – $2,000,000	0.60%
$2,000,001 and above	0.55%

Account Minimum $10,000 (waivable)

Performance Fees None — Ever

Billing Monthly in Arrears

Financial planning is available as a standalone project ($500–$15,000+ depending on complexity), hourly ($100/hour), or as a $65/month subscription. Business retirement plan consulting (SIMPLE IRA, SEP IRA, 401(k)) is priced separately by plan type and complexity.

Clients are responsible for any third-party custodian or transaction fees charged by Altruist Financial LLC.

Insurance Conflict of Interest — Required Disclosure Danielle Bordenkircher is a separately licensed insurance agent who may earn commissions on insurance products. This activity is outside the advisory relationship and is disclosed as a conflict of interest. Clients are never required to purchase insurance through BDB Wealth Advisors.

View the full fee schedule at bdbwealthadvisors.com/fees

What the First Conversation Looks Like

15 minutes. No obligation. No pressure.

We’ll briefly discuss what prompted you to reach out, what you’re hoping to accomplish, and whether BDB Wealth Advisors’ services may be appropriate for your situation. If we believe a different professional or approach would serve you better, we’ll say so.

Nothing to prepare in advance, though if you want to bring a specific question about your business finances or retirement plan, we’re ready for it.

Why BDB Wealth

Fiduciary Status Always — Required by Law

Advisor Background Brian Bordenkircher — U.S. Army Veteran

Fee Structure Fee-Based; No Investment Commissions

Local Presence York, Lancaster, Harrisburg + Virtual Nationwide

Veteran-Owned Business

PA State-Registered, CRD #336541

Frequently Asked Questions

We work with business owners across a range of situations — from sole proprietors just beginning to build assets outside the business to established owners with employees and an existing retirement plan. Our minimum for investment management is $10,000, which may be waived depending on your situation.
No. Our role is investment management and financial planning. We work alongside your CPA, business attorney, and other professionals — not instead of them. If a question falls outside our scope, we’ll tell you and help you identify the right resource.
Yes. Pension and retirement plan consulting for employer-sponsored plans (SIMPLE IRA, SEP IRA, 401(k)) is a separate service from personal investment management, priced differently by plan type and complexity
As a fiduciary, we are legally required to act in your best interest when providing investment advice. “Fee-based” means we charge advisory fees for investment management rather than commissions on what we recommend. One important note: Danielle Bordenkircher is a separately licensed insurance agent who may earn commissions on insurance products — that activity is disclosed as a conflict of interest.
Yes. We provide portfolio management to small businesses and corporate entities, including corporate cash reserves and deferred compensation plan assets.
$10,000 for investment management. This may be waived at our discretion.