Comprehensive Financial Planning for Restaurant Owners.
We help restaurant owners organize their personal financial lives and transform their business success into lasting personal wealth.
We’ve owned restaurants.
We know how isolating and exhausting this business can be. You’ve built a thriving business. Everyone’s complimenting your success. But privately, you’re tired of financial uncertainty.
You want peace of mind and to turn what you’ve built into lasting generational wealth, but finding an advisor who genuinely understands your world feels impossible and you’re right to be skeptical.
Your CPA is invaluable for your business but can’t create a comprehensive personal wealth strategy.
Financial advisors overlook you because much of your wealth is tied up in your business or real estate, and your situation is too complex.
Peers offer opinions, but sharing confidential information feels awkward, and they lack specialized financial expertise.
We transform financial uncertainty into an actionable roadmap designed for restaurant owners.
We analyze how business decisions impact your wealth to take advantage of opportunities and prevent mistakes.
We focus on long-term business & personal tax minimization throughout our financial planning processes.
We build investment strategies around your asset class preferences.
We support you year-round through structured reviews and on-demand availability when you need us.
We transform financial uncertainty into an actionable roadmap designed for restaurant owners.
We analyze how business decisions impact your wealth to take advantage of opportunities and prevent mistakes.
We focus on long-term business & personal tax minimization throughout our financial planning processes.
We build wealth strategies around your asset class preferences.
We support you year-round through structured reviews and on-demand availability when you need us.
Lyon Wealth Advisory is the only wealth management firm exclusively dedicated to restaurant owners.
We solve the types of questions that matter to you:
Commercial success and personal wealth are two different things, and the gap between them can be larger than one would think. We start by mapping your complete financial picture: business equity, real estate, investments, and cash flows. Then we build a financial model that shows you what your current trajectory looks like and whether it gets you where you want to go.
The reality is that many successful restaurant owners discover they're not as financially prepared as they assumed. If that's the case, we'll identify specific steps you can take to close the gap. If you're already on track, we'll help you grow and protect what you've built.
In most cases, yes. But it requires tax planning: developing and implementing a forward-looking strategy to minimize the net taxes you pay over time. This is a service we include in all client relationships.
Effective tax planning for restaurant owners requires two things most advisors don't have: comprehensive visibility into both your business and personal finances, and actual tax expertise and licensing. We have both.
Our strategies often include entity selection, salary vs. distribution optimization, timing major expenses, coordinating retirement contributions, structuring family compensation, PTET elections, QBI deductions, backdoor Roth strategies, HSA maximization, QSBS opportunities, and others tailored to your situation.
Having most of your wealth in your business creates both opportunity and risk. The opportunity: if you plan properly, your business sale could fund your retirement. The risk: if you don't plan properly, you may discover too late that the sale proceeds won't support the lifestyle you've been living.
As a Certified Exit Planning Advisor™, we help you understand what your business might realistically sell for, identify operational improvements that could increase that value, and determine whether the projected sale proceeds will actually meet your financial needs. If there's a gap, we’ll work together to create a plan to address it.
If you can't master cash flow, you'll never be at peace financially.
Your cash flows are messy: seasonal fluctuations, distributions, bulky expenses, and the overlap between business and personal spending.
We rebuild your entire cash flow structure. We map all income sources, organize your spending, create predictable personal income even when business income fluctuates, and establish priorities for surplus cash.
The result is a system that gives you clarity about what you can actually afford and confidence in your spending decisions.
Growth decisions in the restaurant business are personal finance decisions. They directly impact your wealth, your family, and your future plans. Before you commit to expansion, partnerships, or major investments, you need to understand how it will impact you.
We model how different growth scenarios will affect your personal finances: the capital requirements, the impact on your family's lifestyle if things don't go as planned, and whether the potential returns justify the risks. This analysis will help you structure deals that align with your financial goals and avoid growth that could jeopardize what you've already built.
Financial stress compounds operational stress. When you're worried about money, everything else becomes harder. If you're carrying more debt than you're comfortable with, or if your financial situation feels unsustainable, the first step is getting clarity on where you stand.
We'll assess your complete debt picture, identify which obligations are most urgent, and build a realistic plan for getting back on track. This includes coordinating with your other advisors to ensure everyone is working toward the same goals. Our role is to be the hub that keeps all the pieces organized and moving in the right direction while you focus on running your business.
