Small Business Financial Planning
Running a business takes vision, discipline, and an incredible amount of work. Your financial planning should support that—not add to your stress. At Servus Capital Management, we provide comprehensive, purpose-driven financial planning for small business owners across Lynchburg, Forest, Bedford County, and Central Virginia.
Whether you’re building your business, optimizing cash flow, preparing for retirement, or planning for succession, we help you strengthen your business and your personal financial future at the same time.
Our Small Business Financial Planning Services
Below are the key services we offer to guide your business through every stage—growth, transition, and long-term planning.
Retirement Plan Design
Give yourself—and your employees—the benefit of a thoughtful, tax-efficient retirement plan. We design and implement small business retirement plans that support growth, retention, and long-term financial stability.
This includes SEP IRAs, SIMPLE IRAs, Solo 401(k)s, Traditional and Safe Harbor 401(k)s, and more—structured to fit your goals, budget, and workforce.
Cash Flow & Tax Efficiency
Healthy cash flow is the engine of a growing business. We help owners manage complex income patterns, optimize compensation structures, and create tax-efficient strategies that strengthen both your business and your personal finances.
Business Continuity Planning
Your business is often your largest asset—and it needs protection. We help you prepare for unexpected events through strategic business continuity planning, including key-person protection, ownership transition strategies, and contingency planning.
Integrated Wealth Planning
Your business and personal finances are deeply connected. We align business planning with your retirement goals, estate strategy, tax planning, and long-term purpose—ensuring everything works together as one unified plan.
Our Vision
“At Servus Capital Management, our mission is to help people achieve the purpose and plan that God has for their life. For business owners, financial planning is about more than numbers—it’s about building something meaningful, caring for employees, and creating a legacy that lasts.”
—
Allan Malina, Founder
Faith, Purpose & Financial Health
Your business is part of your calling. By aligning business decisions with your values and long-term purpose, we help owners across Lynchburg, Forest, and Central Virginia build businesses that support their families, employees, and communities.
Why Business Owners Choose Servus Capital Management
Fiduciary Guidance
As an independent, fee-only advisor, every recommendation is made in your best interest.
Purpose-Driven Planning
We help you balance profitability with stewardship, family priorities, and long-term mission.
Holistic Business & Personal Alignment
Your business strategy, retirement plan, taxes, and estate needs all integrate into one clear roadmap.
Experience Working With Local Owners
We understand the needs of small businesses across Lynchburg, Forest, and Central Virginia.
Proactive Support & Communication
We meet regularly, monitor your plan, and adjust as your business evolves.
Build With Purpose. Grow With Confidence.
Your business is one of your greatest tools for creating impact. Whether you’re starting out, scaling, or preparing for transition, we help ensure your financial strategy supports your purpose, protects your family, and strengthens your future.
