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Monday 8:30am - 4:30pm Tuesday 8:30am - 4:30pm Wednesday 8:30am - 4:30pm Thursday 8:30am - 4:30pm Friday 8:30am - 12pm

Silvertree, LLC

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Silvertree, LLC, Financial planner, 2715 Post Road, Suite A, Stevens Point, WI.

Investment advisory and financial planning services offered through Summit Financial, LLC, an SEC Registered Investment Advisor, doing business as Silvertree, LLC.

07/17/2026

The problems manufacturing owners bring us rarely surprise us: the owner-dependent business, the Section 179 trap, the succession question with no clear answer, or the health insurance gap before Medicare.

We've seen these patterns across two decades in this industry. That experience is exactly why we can work the problem instead of reacting to it.
What's the financial problem you keep putting off because it feels unique to you? Let’s talk about it: https://silvertreeplan.com/contact/

07/14/2026

A traditional pension usually comes with one big decision: take the lump sum or take monthly payments for life.

It feels like a money question. It's really a life question.

The lump sum gives you control and the chance to grow it through investing. It also puts the risk and the management work on you.

Monthly payments give you guaranteed income for life with no investment risk and nothing to manage. You give up control and growth potential in exchange.

The right answer depends on your health, your other income, how comfortable you are managing investments, and what your spouse needs if something happens to you. Married workers also choose between higher single-life payments and lower joint-and-survivor payments that protect a surviving spouse.

The part that matters most: once you choose, you usually can't change it. This decision affects household income for decades.

Don't guess at it. Run the numbers against your full picture first.

07/13/2026

Manufacturing work is hard on the body. That's why so many shop floor workers want to retire in their early 60s.

There's a catch most people don't see coming. Employer health insurance ends when the job does, and Medicare doesn't start until 65. That can leave a multi-year gap to cover on your own.

COBRA coverage for a family often runs $1,500 to $2,500 a month. Many workers don't think about that number until they've already given notice.

There are ways to plan for the gap: marketplace subsidies, careful income timing, and coordinating when you claim Social Security can all change the math. A worker who manages income carefully might pay a few hundred a month instead of well over a thousand.

Our guide for manufacturing workers walks through health coverage, pension choices, and Social Security timing. https://silvertreeplan.com/how-to-retire-from-manufacturing-job/

07/10/2026

Most manufacturing owners are running around town with four different advisors who never talk to each other.

The lawyer handles the legal side. The CPA handles taxes. The investment person handles the portfolio. The insurance person handles coverage.

Nobody is connecting it together.

The gaps between those advisors are where money quietly leaks out. A tax move that hurts the estate plan. An investment decision that ignores the business. A succession idea nobody ran past the accountant.

We play the role of general manager. One point of contact who coordinates tax, legal, investment, and risk management so the pieces actually work together.

If you've never had anyone look at the whole picture at once, that's where we start.

Book an initial consultation: https://silvertreeplan.com/contact/

07/08/2026

Performance gets all the attention. Coordination does the quiet work that can move outcomes over time.

When your tax person, your attorney, and your investment advisor never talk to each other, the gaps between them cost you money. Closing those gaps is the job.

Where are the gaps in your plan right now?

07/06/2026

You have two ways to leave your manufacturing business: hand it to family or sell to an outside buyer.

Most owners assume they can prepare for both and decide later. That assumption tends to cost years.

The two paths need different structures, different timelines, and different financing.

Family transitions often run on seller financing, where you take payments over time and stay tied to the business long after you step back.

Outside sales bring market value and a clean break, but buyers want three years of clean financials and a business that runs without you.

The tax picture differs too. Family transfers raise gift and estate questions.
Outside sales bring depreciation recapture and capital gains decisions that shape how much of the sale price you actually keep.

Our latest article breaks down both paths and when to decide between them. Read here: https://silvertreeplan.com/business-succession-planning-manufacturing/

07/04/2026

Happy Fourth of July.

To the owners, the operators, and the people on the floor who build things in this country: today is for you.

Enjoy the time with family. We'll be back to work soon enough.

07/01/2026

The second half of the year just started.

For most manufacturing owners, that means looking at production numbers, backlog, and where the team is headed.

It can also be a good moment to look at something that gets pushed aside all year: the plan behind the business.

Tax position, cash flow, and how the business connects to your personal financial picture all move throughout the year whether you watch them or not.

A mid-year check gives you six months to make adjustments while there is still time on the clock. Waiting until December usually means reacting instead of planning.

You don't have to overhaul anything. You just have to look.
What part of your financial picture have you not reviewed since January?

06/26/2026

Manufacturing business owners know about opportunity cost in operations. Delayed equipment upgrades that reduce efficiency. Deferred process improvements that affect quality. Postponed training that limits capability.

Value acceleration works the same way. Every year without systematic value building is a year of forgone price improvement.

If you're planning to exit in five years, you should have started value acceleration yesterday. If you're planning to exit in ten years, you should start now.

Because the businesses that sell for premium multiples didn't get there by accident. They got there through years of focused work on the factors buyers reward.

06/24/2026

Customer concentration is one of the most common value destroyers we see in manufacturing businesses.

If your top customer represents more than 25% of revenue, you carry concentration risk that buyers will discount. Heavily.

Buyers look at customer concentration and see existential risk. What happens if that major customer leaves? Reduces orders? Gets acquired by a competitor who uses a different supplier?

The manufacturing businesses that command premium multiples have diversified customer bases with long-term relationships spread across multiple accounts.

Building those secondary relationships takes time. A customer generating $50,000 annually today might grow into a $300,000 relationship over three years with proper cultivation and attention.

However, you need years to make that happen. You can't diversify customer concentration in six months of pre-sale preparation.

Manufacturing business owners who recognize concentration risk early and invest time in diversification protect their business value and create exit optionality.

If most of your revenue comes from one or two customers, you have a value problem. Unfortunately, it needs years to fix.

Address

2715 Post Road, Suite A
Stevens Point, WI
54481

Opening Hours

Monday	8:30am - 4:30pm
Tuesday	8:30am - 4:30pm
Wednesday	8:30am - 4:30pm
Thursday	8:30am - 4:30pm
Friday	8:30am - 12pm

Website

http://www.silvertreeplan.com/

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