Scaling your freedom through intentional strategy.
You've built the fortune. Now it's time to build the architecture that keeps it for generations.
Do you recognize yourself?
The Operator at the exit
You've sold the company, or you're about to. The wire hits next quarter, and your CPA is talking about capital gains like it's weather. You don't need an investment manager — you need someone who can tell you what the Rockefellers would have done with the proceeds before they ever touched a brokerage account.
The Owner still building
Your business is generating $1M+ a year and you're the engine. Personal and business assets are tangled. One lawsuit, one bad partner, one tax year handled wrong, and a decade of work is exposed. You've outgrown your bookkeeper. You haven't yet found your architect.
The High-Earning Professional
Surgeon, partner, executive, engineer. Your income is enviable and your tax bill is brutal. Money comes in fast and leaks out faster — into lifestyle, into the IRS, into accounts that don't talk to each other. You make more than 99% of the country and feel less wealthy than you should.
The Second-Generation Steward
The fortune wasn't built by you, but the responsibility is. You can feel the Vanderbilt pattern in your own family — the drift, the entitlement, the lack of structure. You're the one who knows the next generation won't survive without governance.
The types of professionals we work with.
Rockefeller didn't get rich alone, and he didn't stay rich by accident. The clients we work with have already done the hard part: they've built income. What they need now is the structure billionaires have used for 150 years to keep it, compound it, and pass it down intact.
01
Business Owners
Established entrepreneurs with $1M+ in annual revenue who are done reacting to tax bills and ready to architect a holding structure, family bank, and succession plan their heirs can actually inherit.
02
High-Earning Executives
W-2 professionals earning $250K+ who realize a paycheck, no matter how large, is not a structure. We help them convert income into protected, compounding, transferable capital.
03
Growth-Minded Leaders
W-2 professionals earning $250K+ who realize a paycheck, no matter how large, is not a structure. We help them convert income into protected, compounding, transferable capital.
At your level, the risk isn't building wealth. It's watching it dissolve in the next generation. Architecture is the only solution.
Real outcomes. Not theory.
Saved $30K on a real estate acquisition
We helped restructure the deal and reposition the offer, ultimately reducing the purchase price from $330K to $299K. The result wasn’t luck — it was the right leverage applied at the right moment.
Structured a $2.4M business exit
After years of uncertainty, we guided the client through positioning the business for sale, introducing a tax strategy that aligned with the transaction. By the time offers came in, the structure was already working in their favor.
Expanded liquidity through cash flow banking
We implemented a multi-policy structure that allowed the client to access capital more efficiently while maintaining long-term control. This created flexibility without sacrificing future growth.
Recovered $4K+ in missed tax opportunities
By optimizing the client’s W-2 income structure, we identified overlooked tax advantages and corrected the positioning, resulting in immediate financial return.
Doubled business revenue within 12 months
We aligned the financial structure with the company’s growth trajectory, reducing friction in decision-making and enabling more confident scaling.
Built a long-term wealth foundation
We replaced disconnected strategies with a unified architecture — integrating tax planning, risk management, and asset protection into one cohesive system designed for generational continuity.
Industries and businesses we help.
From medical practices to manufacturing, the entities that generate your income are the first layer of your architecture, not the last. We structure the operating business, the holding company, the trust, and the family bank as one integrated system.
Chiropractors
Real Estate Professionals
Professional Services
Manufacturing
Dentists
Attorneys
Technology
Energy
Doctors
Consulting
Construction
Healthcare
Where We're Not the Right Fit.
True partnership is built on alignment - in stage, in approach, in values. If you recognize yourself below, it's not a judgment of you; it's our honesty. In some cases, the timing simply isn't right yet. In others, our approach won't serve you. Both deserve a direct conversation.
Those looking for a financial advisor instead of a wealth architect.
Those seeking quick fixes or shortcuts to wealth building.
Business owners generating less than $1M in annual revenue.
Those looking for passive investment management without comprehensive planning.
Individuals unwilling to implement strategic recommendations.
W-2 professionals earning below $250K annually.
You won the business game. Are you winning the wealth game?
Making money isn’t the problem. You’ve already built the revenue, the team, and the business. But we hear the same thing from successful owners earning $300K, $500K, even $1M+ a year: “I know I’m successful. I just don’t feel as financially ahead as I should.”
- Revenue targets
- Forecasts
- Cash-flow planning
- KPIs
- Processes
- Accountability
- A CPA at tax time
- A few investment accounts
- Some insurance
- A couple of entities
- Occasional distributions
- Whatever is left over.
More income ≠ more wealth. Here’s what happens in between.
Your business can generate millions while your personal wealth stays surprisingly dependent on it.
The problem usually isn’t one bad decision. It’s what happens to every dollar between business profit and your personal balance sheet.
Every dollar of profit has to make it through several decisions before it becomes personal wealth.
If your business stopped producing income tomorrow, how much of what you’ve built would still be working for you?
Three questions every owner should be able to answer, and most can’t.
How should money move from your business into your personal wealth?
Your business has a compensation strategy for everyone but you. That needs to change.
- Salary vs. distributions vs. owner compensation — what each is actually for
- The 4 numbers that determine how much the business should retain, how much you should receive, and how much should become wealth
What should you review before December 31?
Tax preparation asks what happened. Tax planning asks what can still be changed.
- The Augusta Rule — when and how it can actually work
- Whether your current owner compensation still makes sense
- The year-end decisions we review with Wealth Factory clients before the window closes
How do you turn 2027 business success into measurable personal wealth?
You already have a revenue target. Now give that revenue a job.
- Build your 2027 Owner Wealth Plan
- Decide how much of your success should become personal capital
- Build toward a financial life that becomes less dependent on the business
- You have specialists. Do you have someone owning the whole strategy?
Not just ideas. A starting point for your 2027 wealth plan.
The 2027 Owner Wealth Plan
- 01
Your 2027 Owner Wealth Plan
A simple framework for deciding what the business retains, what you receive, and what should become personal wealth.
- 02
Your year-end review list
The financial decisions worth looking at before December 31 while there’s still time to act.
- 03
Your biggest wealth gap
A clearer view of where your business success is, or isn’t, translating into personal wealth.
Built for owners whose business is already working.
This is for you if
- Your business is established, profitable, and pays you $300K+ a year
- Your business is still your largest asset by far
- You have a CPA, an advisor, maybe a few entities, but no one coordinating the whole picture
- Your income grew this year, but your net worth didn’t keep pace
- You want 2027 growth to show up on your personal balance sheet, not just the company’s
This may not be for you if
- You’re still trying to make the business consistently profitable
- You’re looking for stock tips, crypto plays, or a quick financial “hack”
- You want a generic plan without looking at your actual numbers
Two people who have this conversation with business owners every week.
Norm Westervelt
Norm leads Wealth Factory, helping successful business owners turn business income into a coordinated personal wealth strategy across owner compensation, tax planning, asset protection, and long-term wealth building.
Eric Sullivan
Eric works directly with business owners on the financial decisions behind liquidity, cash flow, owner compensation, and long-term wealth and hosts The Wealth Factory Podcast, where we explore why high income and real wealth so often fail to move together.
“I really appreciate that Wealth Factory focuses on education, not just selling financial products. The webinar was practical, easy to follow, and I walked away with specific steps I could actually apply to my own situation.”
“What stands out to me most is how much useful content Wealth Factory gives away for free — between the webinars and YouTube, there’s always something genuinely valuable to take away.”
“I’ve been working with Wealth Factory for more than three years, and I still get value from both the free webinars and the sessions our coaches run inside Wealth Architecture. The education is consistently practical, relevant, and easy to apply.”
“Every time I join one of these webinars, I come away with at least one or two ideas I can use right away. It’s not just theory — they do a good job of making complex financial topics feel practical.”
“I’ve followed Wealth Factory’s content for a while, and the webinars are probably my favorite format.”
Attendee experiences are individual and not a guarantee of future outcomes.
Questions before you join
Is it free?
Yes, the webinar is completely free. We’ll spend the session teaching, working through the framework, and showing you how to apply it to your own numbers.
I can’t make it live. Should I still register?
Yes. Everyone who registers will receive the webinar recording and the 2027 Owner Wealth Plan worksheet by email.
I already have a CPA. Will this just repeat what they tell me?
No. Your CPA may help with taxes, your advisor with investments, and your attorney with legal structure. This webinar is about how those decisions work together, and how business income ultimately becomes personal wealth.
Do I need to prepare anything?
No formal preparation. If you have a rough idea of your revenue, owner income, business reserves, personal spending, and current assets, you’ll be able to get more from the session.
Is this financial, tax, or legal advice?
No. The webinar is educational and designed to help you understand the decisions worth reviewing. Any strategy you consider should be evaluated with your own CPA, attorney, or financial advisor based on your specific situation.
Your family's fortune doesn't have to end with you.
