One Advisor for Growth, Capital, People, and Risk
Companies often manage growth, benefits, risk, and finance through separate advisors who rarely coordinate.
Our view
Pacific Advisory Group brings those pieces together for companies across industries, whether owner-led or publicly traded.
Privately Held
Owner-led companies carry most of their wealth in the business itself. We help plan the exit, protect continuity, and reduce owner-level taxes while building benefits that attract and keep talent.
Publicly Traded
Public companies need tighter governance, and executives often hold concentrated equity. We help with executive financial planning, retirement plan fiduciary support, and benefits strategy, coordinated with your counsel and compensation committee.
How PAG Helps
| Area | How PAG Helps |
|---|---|
| Growth & capital strategy | Margin and revenue review, funding strategy, and capital allocation. |
| Executive compensation & succession | Bonus structures, deferred compensation, key-person planning, and leadership succession. |
| Treasury & real estate | Cash and reserve strategy, debt and refinancing analysis, 1031 exchanges, and DST due diligence. |
| Risk & continuity | Buy-sell structures, key-person exposure, and entity structure review. |
| Retirement & Executive Programs | Design and review of 401(k), cash balance, and profit-sharing plans; ERISA 3(21) and 3(38) fiduciary support; and executive programs such as bonus plans, deferred compensation, and buy-sell agreements. Implementation through our affiliates as needed. |
| Insurance & Employee Benefits | Needs analysis and program design for group health, life, and disability coverage, including business overhead expense where applicable, and related employee benefits. Placement is available through our affiliate Pacific Risk Management Group. |
| Transactions | Valuation, deal evaluation, pre-transaction planning, and transaction support. |
| Corporate Investment Strategy | Portfolio design for surplus cash and reserves, from low-risk, interest-bearing positions to growth-oriented accounts, separate from retirement plans. Management is available through our affiliate The Pacific Group. |
Privately Held vs. Publicly Traded
| Privately held | Publicly traded | |
|---|---|---|
| Key decision makers | Owners, partners, family | Board, compensation committee, executives |
| Main planning issues | Succession, exit or sale, buy-sell agreements, owner tax planning | Concentrated stock, equity awards, trading windows and 10b5-1 plans (with company counsel) |
| Retirement plans | Owner-focused design: cash balance plus 401(k) profit-sharing | Broad-based 401(k) with fiduciary oversight and company-stock considerations |
| Executive compensation | Bonus plans, deferred compensation, key-person protection | Non-qualified deferred compensation alongside equity incentive plans |
Let’s Talk About What’s Next
Start with a confidential conversation. We’ll review where you are, show you your options, and you decide what comes next.