Monica McCarthy and Andrew Litzerman in a meeting with a client

Your Business. Your Vision. Your Personal CFO.

Seascape Capital Management is your personal CFO, aligning your wealth strategy with your evolving business and personal life — so you can stay focused on success.

As a private business owner, your wealth is more than numbers on a balance sheet — it’s the result of years of dedication, risk-taking, and vision. Your company’s equity, real estate holdings, and cash flow power both your business and your family’s lifestyle. But with success comes complexity, and the right strategy makes all the difference.

We help you navigate the complex financial decisions of business ownership – ensuring your wealth strategy supports both your company’s growth and your family’s financial security.

Building & Protecting Your Wealth

  • The Right Team – How do I build an advisory network that protects and grows my wealth?
  • Deferred Compensation Planning – How can I use deferred compensation strategies to manage taxes, supplement retirement income, and attract or retain key employees?
  • Tax-Efficient Planning – What strategies can I use to secure my future while minimizing tax burdens?
  • Diversification & Retirement Readiness – How do I shift from business-centric wealth to a balanced, resilient portfolio that funds my personal financial goals?

Planning for Business Transition & Long-Term Wealth

  • What’s My Business Worth? – How do I get an introduction to a strategic partner to help me determine the true value of my business, including both tangible and intangible assets?
  • Keep or Sell – Should I hold onto my business for cash flow or sell for liquidity? 
  • Closing the Gaps: Value, Wealth & Profit – Where do I stand today, and what steps can I take to bridge the financial gaps in my transition plan?
  • Life After Sale – How do I replace business income with a sustainable investment strategy?

Preserving Wealth & Preparing the Next Generation

  • Estate & Legacy Planning – How do I ensure my estate plans, trusts, and entities remain aligned with my financial plan while passing on assets efficiently, minimizing taxes, and preserving family harmony?
  • Family Readiness – How do I ensure my spouse and heirs understand the plan? Will they be prepared if something happens to me?
  • Educating the Next Generation – How do I prepare my children and grandchildren to manage wealth responsibly and uphold family values?
  • Philanthropic Impact – How can charitable giving be integrated into my legacy to reflect my values and make a lasting difference?

Your business was built with vision and strategy — your wealth should be, too. 

Let us help you make informed, proactive decisions so your success lasts for generations.

Contact Us