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Pelican Financial Planning

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Pelican Financial Planning

At Pelican, we do more than manage money — we build lifelong relationships rooted in trust, transparency, and care.

Pelican Financial Planning and Wealth is a registered investment adviser that only conducts business in jurisdictions where it is properly registered, or is excluded or exempted from registration requirements. Registration is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. The firm is not engaged in the practi

ce of law or accounting. The information presented is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of any topics discussed. All investments and investment strategies have the potential for profit or loss. A professional adviser should be consulted before making any investment decisions. All expressions of opinion reflect the judgment of the authors as of the date of the post and are subject to change. We are not responsible for comments made by third parties. Content should not be viewed as an offer to buy or sell any of the securities mentioned, as personalized financial advice, or as legal or tax advice. You should always consult an attorney or tax professional regarding your specific legal or tax situation. Different types of investments involve higher and lower levels of risk. There is no guarantee that a specific investment or strategy will be suitable or profitable for an investor’s portfolio. There are no assurances that a portfolio will match or exceed a specific benchmark. Hyperlinks on our posts are provided as a convenience. We cannot be held responsible for information, services, or products found on websites linked to posts. Clicking the Like button is not a testimonial for, or endorsement of, Pelican Financial Planning and Wealth or any of its Investment Adviser Representatives. This is the only mechanism we have to circulate our page. Visitor posts must refrain from recommending specific investments or investment advisory services. In addition, no one commenting on this wall should post specific securities recommendations. Questions about a specific investment or adviser cannot be answered and may be removed from the page. If you wish to convey an opinion to us, please send an email to [email protected]

07/02/2026

Your business may be growing…
but is your personal financial plan growing with it?

It’s easy to look at revenue and think, “We’re doing well.”

But business revenue is not the same as personal wealth.

For business owners, the real clarity comes from knowing your numbers on both sides:

→ What income do you personally need each month?
→ What are your household expenses?
→ Do you have enough reserves if the business has a slower month?
→ Are your business income and expenses up to date?
→ Are you planning for taxes before year-end?
→ Are you saving for yourself like it’s a non-negotiable bill?

Because the day-to-day of running a business can get loud.

Client work. Payroll. Growth opportunities. New investments. Expansion decisions.

But every so often, it’s important to step back and ask:

What am I actually building?
Is this business supporting my long-term goals?
Is it becoming an asset?
Am I building toward financial independence beyond the business?

A growing business can be a wonderful thing. But it should also connect to a personal financial plan that gives you clarity, confidence, and options for the future.

Know your numbers.
Separate business and personal finances.
Plan for taxes before they surprise you.
And don’t let your personal goals get lost in the busy.

Business owners: which side feels harder to keep up with right now: your business numbers or your personal financial plan?

Save this as a reminder to look at the whole picture.

06/29/2026

Business owners: June is your reminder that your financial plan deserves a mid-year check-in, too.

Because “I’ll deal with it at year-end” can turn into missed opportunities, surprise tax bills, and decisions made under pressure.

At Pelican Financial Planning, we believe financial clarity comes from looking at the full picture, not just your investments, and your business books. As an independent, woman-led firm, we help professionals, families, and business owners simplify complexity through holistic planning, tax-aware strategies, cash flow review, insurance conversations, retirement planning, and succession planning.

A mid-year check-in is a simple way to ask:

✅ Is your owner compensation still aligned with your business and personal goals?
✅ Are cash flow and estimated taxes on track?
✅ Are you maximizing retirement plan contributions?
✅ Do your insurance and risk management strategies still make sense?
✅ Have you revisited succession planning?
✅ Are your business decisions supporting the life you’re trying to build?

Genevieve’s background as a CPA and CFP® shapes this detail-focused approach. Before financial planning, she spent years as an auditor reviewing the “nitty gritty details” of businesses and nonprofits to understand what was working and where improvements were needed; the same mindset she now brings to personal financial planning.

Your business is working hard. Your financial plan should be working hard alongside it.

Check out our Mid-Year Business Owner Financial Checklist and take a few minutes to see what may need attention before the second half of the year gets away from you.

06/24/2026

Owning a business means making decisions all day long.

Who to hire.
What to invest in.
When to raise prices.
How to manage growth.
Which fire needs your attention first.

But somewhere in the middle of serving clients, managing your team, and keeping the business moving, one important question can get pushed aside:

“Is the business still working for me?”

Mid-year is a natural time to pause and look beyond the day-to-day.

Not just at revenue.
Not just at what’s in the bank account.
But at the bigger picture.

Are you keeping enough of what you earn?
Do you have cash available if things slow down?
Are tax payments aligned with how the year is actually going?
Are you using the business to build your own retirement plan?
Have your risks changed as the business has grown?

These are the kinds of questions that can be easy to avoid when things are busy, but they often reveal where small adjustments could make a meaningful difference.

Because when you understand how your business finances connect to your personal goals, you can make decisions with more confidence and less guesswork.

At Pelican Financial Planning, we help business owners simplify the complex pieces of their financial picture, including cash flow, tax-efficient strategies, retirement planning, risk management, and long-term wealth decisions.

What’s one financial question you like to revisit halfway through the year?

Save this post as a reminder to schedule your own mid-year money check-in.

06/16/2026

The new tax law changed more than just tax brackets.

The One Big Beautiful Bill Act created a planning opportunity that may affect your:

→ SALT deductions
→ Roth conversion strategy
→ Charitable giving
→ Inherited IRA rules
→ Estate and legacy planning
→ Retirement income decisions

One of the biggest takeaways?

Don’t make these decisions in isolation, or rely on AI to make them for you.

One choice can impact another, and your tax plan should work alongside your investments, retirement goals, charitable giving, and estate plan.

n this episode of The Wealth Development Studio, I’m joined by , CFP®, to break down what changed, what matters most for your tax planning, and what questions you may want to bring to your financial planner and CPA.

What part of the new law are you most curious about?

Save this post as a reminder to revisit your plan before the next planning window closes.

06/11/2026

We’ve been building this retirement plan strategy one layer at a time.

First: the solo 401(k).
Then: the safe harbor match.
Then: profit sharing.

Each layer can help business owners put more away, reduce taxable income, and create more flexibility.

But there’s one more layer that can take the strategy to a completely different level:

A cash balance plan.

Think of it like a modern pension that can sit alongside your 401(k).

Depending on your age, income, and business structure, a cash balance plan may allow you to shelter significantly more pre-tax income each year than a 401(k) alone.

For business owners in their 40s, 50s, and 60s, especially those in peak earning years, this can be a powerful catch-up strategy.

Here’s the basic idea:

→ Your 401(k) handles your employee deferral
→ Profit sharing adds another layer
→ A cash balance plan creates a separate retirement contribution bucket

But this is not a “set it and forget it” strategy.

It requires actuarial calculations, employee benefit testing, plan design, and a commitment to funding it consistently.

And timing matters.

If this is something you’re considering for your business, the conversation should start well before year-end, not in December.

At Pelican Financial Planning, we help business owners think through whether strategies like this make sense for their bigger financial picture and coordinate with the right professionals to get them set up properly.

Have you heard of cash balance plans before this series?

06/08/2026

You already solved one big 401(k) problem with Safe Harbor.

Now let’s talk about what comes next.

Profit sharing can give business owners another layer of flexibility, the ability to contribute more in strong years, less in tighter years, and potentially put significantly more toward retirement.

It can also be designed thoughtfully to reward and retain key team members.

This is where retirement planning becomes more than “setting up a plan.”

It becomes strategy.

Save this for your next 401(k) review, and follow along for the next layer: defined benefit plans.

06/04/2026

Most business owners have a plan for growth.

But what about a plan for leaving?

Here’s the truth:
A business that depends entirely on you is harder to sell.

In this episode of The Wealth Development Studio, we sat down with, Bill West, Founder & CEO of ESOPable, to talk about what it really takes to build a business that is strong, stable, and transferable.

Because a successful exit does not start when you are ready to sell.

It starts years before.

Bill shared why business owners should “begin with the end in mind” and focus on the habits that make buyers lean in, including:

→ Building a team that can operate without you
→ Understanding the difference between internal and external sales
→ Using forecasting to create clarity and confidence
→ Knowing what buyers see as value versus risk
→ Exploring structures like SBA financing, seller notes, and ESOPs
→ Listening to trusted advisors before emotions take over

Whether you are 3 years, 10 years, or “someday” away from a transition, this conversation is a helpful reminder that your business can support both your liquidity and your legacy.

What would make you feel more prepared for a future exit: clearer numbers, a stronger team, or a better understanding of your options?

Save this one for later, and listen to the full episode of The Wealth Development Studio wherever you get your podcasts.

05/29/2026

A Solo 401(k) may work well when it’s just you or you and a spouse. But once employees enter the picture, the IRS wants to know your plan is fair, and not just looking out for your own interests.

That’s where a Safe Harbor 401(k) can be helpful.

In exchange for making a required contribution to employees, the business may be able to avoid certain annual nondiscrimination tests and give owners more flexibility to maximize their own retirement savings.

In plain English: you support your team, while creating a stronger retirement savings strategy for yourself.

For many business owners, that can be a very worthwhile tradeoff.

Have you looked at whether your current retirement plan still fits your business?

Save this one for later, and next, we’ll talk about profit sharing.

05/26/2026

If you’re self-employed, the retirement account you choose can make a massive difference long term.

In the next video of our retirement account series, we’re breaking down the Solo 401(k), one of the most powerful (and most overlooked) retirement tools available for business owners.

Higher contribution limits. Potential Roth options. More flexibility than many people realize.

But there are also a few important rules and deadlines you need to know before setting one up.

If you run your own business, this is one worth understanding. Save this for later and let us know in the comments: had you heard of a Solo 401(k) before? 👇

05/21/2026

Proper retirement planning isn’t just planning for yourself.

It’s planning for the people who depend on you most.
For families caring for a child or loved one with special needs, the question is tender but important:

If something happened to you tomorrow, do you know exactly how your child would be cared for, and by whom?

In Episode 14 of The Wealth Development Studio Podcast, Genevieve talks with estate planning attorney Nancy Ferraro about special needs trusts, protecting benefits, and planning for future care before a crisis forces the conversation.

Because love matters.

But so does having the right plan in place.

What’s one planning question you wish more families talked about sooner? To hear more about how to plan for your loved ones with special needs, check out the full epsiode linked in the comments!

Address

110 Front Street, Suite 300
Jupiter, FL
33477

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm

Website

https://www.pelicanfinancialplanning.com/

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