Central Pennsylvania
Financial Advisor for Business Owners in Central Pennsylvania
Running a business means managing two financial lives at once. Stonebridge Financial Group is a fiduciary, SEC-registered RIA serving business owners across Harrisburg, York, and Lancaster with planning that addresses both your company and your personal wealth.
What a Financial Advisor Does for Business Owners
Your Business and Personal Wealth Deserve the Same Attention
A financial advisor for business owners provides planning that spans both the professional and personal sides of your financial life. That includes designing and managing an employer retirement plan, coordinating business succession and ownership transition, structuring tax-efficient compensation, and building a personal wealth strategy that works independently of your business income. Business owners face financial complexity that standard advisory models often underserve — because the business and the household balance sheet are deeply connected.
At Stonebridge Financial Group, our team holds credentials spanning CFP, CFA, CIMA, AIF, CRPS, CPA, and more. We are structured to address both dimensions simultaneously, so the planning on each side informs and strengthens the other. This integrated approach may help reduce gaps that can arise when business and personal planning are handled separately, though individual outcomes will vary based on each client's circumstances.
Two Financial Lives. One Advisory Team.
Business owners typically need planning across both dimensions at the same time:
- B Business side: Retirement plan design, fiduciary oversight, payroll solutions, and key-employee benefits.
- P Personal side: Wealth accumulation, investment management, insurance coverage, estate coordination, and retirement income planning.
- + Integrated: Plans that account for how business cash flow, ownership value, and personal goals interact with one another.
Stonebridge by the Numbers
A Team Built for Business-Owner Complexity
$2B+
Assets Under Advisement
7,500+
Retirement Plan Recipients Serviced
1000+
Households Served Across 30 States
20+
Professional Designations Across Staff
Data as of June 2026. Statistics are firm-level figures and do not represent outcomes for any individual client.
Our Services for Business Owners
Comprehensive Planning Across Both Sides of Your Financial Life
Stonebridge offers an integrated suite of services designed to address the unique planning challenges that business owners face. Depending on your goals and circumstances, relevant services may include some or all of the following.
Corporate Retirement Plan Design
We help business owners select, design, and service employer retirement plans including 401(k), profit sharing, Safe Harbor, cash balance, and SEP/SIMPLE IRA structures. Our team holds CRPS and AIF designations and can serve as a 3(38) or 3(21) investment fiduciary, depending on your needs.
Learn about retirement plansPersonal Wealth Management
For the owner themselves, we develop personalized investment strategies, coordinate with tax and estate professionals, and provide ongoing financial planning. Relationship management is as important to our approach as wealth management, and we limit client loads so each relationship receives dedicated attention.
Explore personal wealth managementPayroll Solutions
Through Stonebridge HR Solutions, we offer integrated payroll and HR services for businesses of varying sizes. This allows employers to consolidate financial and operational relationships under one advisory partner, reducing administrative burden and coordination gaps.
View all servicesInsurance Solutions
Through our partnership with MPC Insurance Group, we coordinate access to term life insurance, Medicare planning, and other coverage solutions for business owners and their employees. Protecting income and key personnel is a critical component of a complete business owner financial plan.
View insurance solutionsTax-Aware Wealth Strategies
Our team includes credentialed professionals with CPA and CFP designations who work to develop tax-aware planning strategies. This may include retirement account sequencing, Roth conversion analysis, and coordination with your outside CPA — though specific tax outcomes vary by individual situation and cannot be guaranteed.
Meet our credentialed teamFiduciary Oversight and Investment Management
As an SEC-registered RIA, Stonebridge operates under a fiduciary standard. Client accounts are custodied primarily through Charles Schwab, and our dedicated investment committee, which includes CFA-credentialed analysts, provides ongoing portfolio oversight. Plan assets and personal assets receive separate, tailored strategies based on stated goals and risk tolerance.
Why a fiduciary advisor mattersIndustry Experience
Stonebridge Serves Business Owners Across Central PA's Key Industries
Across Central Pennsylvania, business owners operate across a wide range of sectors — each with distinct retirement plan requirements, workforce compositions, and planning challenges. Stonebridge has developed practical experience serving employers in the following industries, reflected in our industry-specific case studies.
Each case study illustrates the challenges a business faced, the approach Stonebridge recommended, and the expected outcomes of that plan — recognizing that every firm's situation is unique and results will vary.
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CO
Construction Companies
Optimizing participant education and plan design for multi-site construction employers with 401(k) and ESOP arrangements.
View construction case study -
AG
Agricultural Businesses
Restructuring Safe Harbor 401(k) and profit-sharing plans for Central PA agricultural employers with small, closely-knit teams.
View agricultural case study -
LW
Law Firms
Managing fee compression, reducing fiduciary liability, and restructuring 401(k) profit-sharing plans for Harrisburg-area professional service firms.
View law firm case study -
TR
Trucking and Transportation
Converting profit-sharing plans to Safe Harbor 401(k) programs with participant education support across national, multi-location workforces.
View trucking case study -
AP
Apparel Manufacturing
Increasing participation and rewarding key employees through automated plan design and individualized financial wellness consultations.
View apparel manufacturing case study -
AC
Accounting Firms
Changing participant behavior through plan design and education for regional accounting firms across York and Hanover, PA.
View accounting firm case study
Our Approach
How Stonebridge Approaches Business Owner Financial Planning
Our process begins with understanding both dimensions of your financial life — the business and the personal — before making any recommendations. This is what separates planning that serves a business owner from advice designed for a general audience.
Discovery: Understanding Both Sides of Your Financial Picture
Our initial meeting gathers both subjective insights — your goals, concerns, and timeline — and objective data including business structure, ownership interests, employee count, existing benefit plans, personal assets, insurance coverage, and estate planning status. We look at the complete picture before recommending anything.
Assessment: Identifying Gaps and Opportunities
Our team reviews the data across both the business and personal dimensions. We may identify gaps in retirement plan coverage, underutilized plan design features, unprotected income risks, or misalignment between personal goals and business cash flow planning. Where relevant, we benchmark your plan against comparable employers.
Recommendations: A Coordinated Plan
We present specific, tailored recommendations addressing both the business plan and your personal strategy. These may include retirement plan redesign, adjustments to personal investment strategy, insurance coverage review, and coordination with your CPA or attorney. Recommendations are designed to work together, not independently.
Implementation and Ongoing Support
Once you choose to move forward, we manage implementation and provide continuing support. For employer plans, this includes quarterly monitoring, participant education sessions, and proactive communication. For personal wealth, it includes regular reviews, market commentary, and responsive service — you reach a knowledgeable team member when you call.
Why Stonebridge
What Sets Our Business Owner Advisory Practice Apart
Fiduciary Standard Across All Client Relationships
As an SEC-registered RIA, Stonebridge operates under a fiduciary obligation — placing client interests ahead of the firm's own. This standard applies to investment advisory relationships, not to all products or services offered through affiliated entities.
Multi-Credential Team With Deep Specialization
Our advisors hold CFP, CFA, CIMA, AIF, CRPS, CPA, MBA, and RICP designations. This depth of credentialing means we can address both the personal financial planning needs of the owner and the institutional complexity of an employer retirement plan from within the same team.
Collaborative, Team-Based Approach
Business owners benefit from a firm structure where specialists across retirement plans, personal wealth, and insurance work together on your behalf, rather than relying on a single generalist advisor who may have limited depth in any one area.
Central Pennsylvania Presence and Relationships
With offices in Harrisburg, York, and Lancaster, our team is rooted in the same business community you operate in. We understand the regional economic landscape across Adams, Lancaster, York, and Cumberland counties and maintain active relationships with CPAs, attorneys, and other trusted advisors in the area.
Integrated Services Under One Relationship
Retirement plan management, personal wealth advisory, payroll solutions, and insurance coordination are available through Stonebridge and its affiliated partners. This reduces the coordination cost that comes with managing multiple vendor relationships for your business's financial needs.
Independent, Custodied Through Charles Schwab
Client assets in advisory relationships are held at Charles Schwab, a nationally recognized custodian. This provides independent account access and oversight separate from our advisory firm, which is an important structural transparency point for business owner clients.
2026 Planning Considerations
Key Financial Planning Areas for Business Owners in 2026
Business owners face several time-sensitive planning considerations in 2026 that may affect both personal tax outcomes and employer plan strategy. The items below are general planning themes — specific guidance depends on individual business structure, income level, and goals.
According to the IRS, the 2026 401(k) employee contribution limit is $23,500, with a catch-up contribution of $7,500 available for those age 50 and older, and an enhanced catch-up of $11,250 for participants ages 60 to 63 (as established by SECURE 2.0). Plan design choices directly affect how much business owners and key employees can defer, making an annual plan review important.
Common Questions
Frequently Asked Questions from Business Owners
What does a financial advisor do for business owners?
A financial advisor for business owners provides planning that spans both the business and personal dimensions of your financial life. On the business side, this includes employer retirement plan design and fiduciary oversight, payroll coordination, and key-employee benefit strategies. On the personal side, it includes investment management, tax-aware planning, insurance coverage, and estate coordination. Advisors who specialize in business owners are equipped to address how these two dimensions interact — for example, how business cash flow affects personal wealth accumulation or how a future ownership transition should be planned alongside personal retirement income goals.
How much does a business financial advisor cost?
Financial advisor fees vary depending on the services provided and the engagement structure. Common fee models include asset-based fees (a percentage of assets under management), flat planning fees, or hourly fees for project-based engagements. Stonebridge Financial Group offers multiple engagement structures and is transparent about how fees are calculated. We encourage prospective clients to schedule a complimentary discovery meeting to discuss services and fee arrangements specific to their situation before making any commitment.
What is a fiduciary financial advisor, and why does it matter for business owners?
A fiduciary financial advisor is legally and professionally obligated to act in a client's best interest when providing investment advice. This is a higher standard than the suitability standard that some non-fiduciary advisors operate under. For business owners, this distinction matters in two ways: when managing your personal wealth, and when serving as a fiduciary advisor to your company's retirement plan. Stonebridge is an SEC-registered RIA that operates under a fiduciary standard for advisory client relationships. Our plan advisors can also serve in a 3(38) or 3(21) fiduciary capacity for employer retirement plans, which may help reduce the employer's direct fiduciary liability.
What is a red flag when evaluating a financial advisor?
Several warning signs may indicate an advisor is not the right fit for a business owner. These include: unclear or opaque fee disclosures, an inability to confirm their fiduciary status, credentials they cannot explain or that are not verifiable through FINRA or the CFP Board, an advisor who works alone without a team structure to handle both business and personal planning, and pressure to make quick decisions without a clear discovery process. Business owners should ask any advisor whether they hold a fiduciary obligation, how they are compensated, and whether they have experience serving employers with retirement plans similar in size and structure to their own.
Does Stonebridge work with business owners who have both a company retirement plan and personal wealth management needs?
Yes. This type of integrated relationship is a core part of how Stonebridge serves business owners. Our team is structured to address employer retirement plan design, ongoing fiduciary oversight, and personal wealth management concurrently. We also offer payroll solutions through our affiliated entity and coordinate with MPC Insurance Group for life and insurance planning. Business owners interested in consolidating these relationships under one trusted advisory partner are encouraged to schedule a complimentary discovery meeting to discuss their specific situation.
Ready to Get Started?
Schedule a Complimentary Discovery Meeting
Stonebridge Financial Group serves business owners across Harrisburg, York, Lancaster, and the surrounding Central Pennsylvania region. A discovery meeting allows us to understand your business, your goals, and how our team may be able to help — with no obligation and no cost.
Stonebridge Financial Group, LLC | Wormleysburg, PA | 717-736-7007 | Offices in Harrisburg, York, and Lancaster