Fund Your Personal Retirement via Business Cost Savings

Investing For Life Beyond Business®

Investing For Life Beyond Business® helps owners of service-based businesses to accumulate wealth so they can maintain their affluent lifestyle in retirement—or whenever they choose to work less.

Our service uniquely helps business owners remove costs from their business and redirect these savings to fund their retirement. These savings are enhanced using Confidence Investing to deliver, over the long-term, annualized returns five percentage points above the rate of inflation—creating a retirement fund capable of supporting your lifestyle in perpetuity.
In summary, our service funds your retirement without reducing your disposable income. With unique advantages, we are experienced, trusted and transparent charging a simple annual fee for our service independent of the value we create for our clients.

Unlike most firms, Furuya & Co. is entirely conflict free. We do not charge commissions, sell financial products nor receive referral fees or back-channel soft-dollars from third-parties who may be involved in the execution of your investment strategy (such as mortgage brokers, mutual funds, real estate agents, CPAs, etc.).

If you don’t believe this is possible, please read our case studies or try our cost-savings/retirement fund calculator.
We help business owners who are:
- Attorneys
- Dentists
- Physicians
- Surgeons
- Veterinarians
- Eager to retire early and comfortably

Use Cost Savings To Fuel Retirement

Managing costs is vital for any business. But we view it as even more important than managing a Profit and Loss statement -- it is the key to your family's future.

Consideration: Funding a Vendor's Retirement Account vs. Your Own

Imagine a business operating for 15 years and during that time, they overpaid a vendor by $20,000 each year. By sheer math the business is out $300,000 ($20,000 * 15 years). But if that vendor invested each annual over-payment at five percentage points above the historical annual inflation rate of 2%, then their retirement account would be worth more than $500,000.

Our objective is to do exactly this -- but for you. We build retirement accounts for business owners by reducing business costs and directing the proceeds toward your retirement.

As a result, your retirement fund grows without the need to increase discretionary, personal contributions. It sounds crazy that any business would overpay a vendor. Yet it happens every day.

Based upon our experience working with professional service businesses with annual revenue of $3,000,000, we have identified three major categories of cost savings that are available to virtually all service businesses, including:

- Credit Card Processing Fees (typical annual savings of $25,000)

- Leases and Loans (typical annual savings of $12,000)

- Employee Compensation (typical annual savings of $20,000)

We help clients obtain these savings to fund their own retirement plan. These typical annual savings alone produce a pre-tax retirement fund of nearly $1,400,000. To view the potential impact for your own business, please try our online calculator.

Confidence Investing

We don’t think in terms of market theories, macroeconomics or industry trends. And we don’t believe funds are the best vehicle to create long term wealth—particularly as mutual funds underperform the market and their stated financial objectives.

Once goals are defined, we subscribe to a different philosophy, called Confidence Investing, that involves selecting one or two handfuls of investments with the following key tenets:

Preserve capital. The first rule is: Don’t lose. The second rule is: Don’t forget the first rule. We’re in no rush to invest and we will evaluate countless options before investing in opportunities that achieve your objectives.

Invest for the long-term. We don't trade stocks seeking to make quick hits. We invest in quality companies to deliver exceptional returns over the long-term.

Search for public and private investment opportunities. In addition to stocks and bonds, often the opportunities with the greatest returns are overlooked—including tax-efficient, strategic investments in your own company, real estate, private assets or private companies.

Determine the value of any opportunity by analyzing cash flows. We avoid hype, high fliers and unsustainable business models regardless of current trends. We always do our own homework and never take the advice of stock brokers, financial advisors or anyone who benefits from your purchase of a particular investment.

Be patient. We only purchase when the share price falls below its intrinsic value. We’re never afraid to sit on the sidelines holding cash awaiting the right opportunity. And once we purchase, we hold for the long term or until presented with a unique exit opportunity.

Deliver results. Over the long-term we strive to deliver five percentage points above the rate of inflation—delivering results that create true purchasing power.

The more confidence we have about an asset’s valuation and performance, the more we invest. Always looking forward, we will only invest more as our confidence in an asset’s performance grows. This is the very nature of Confidence Investing.

Additional Services

Additional Services

With years of operational and financial management experience, we can also act as your Controller or Chief Financial Officer--on a permanent or interim basis.

Additionally, we can develop and oversee your ERISA-compliant plans and act as your plan fiduciary.

If you require any additional services, please contact us to discuss your particular needs.

Investing For Life Beyond Business®

Investing For Life Beyond Business® helps owners of service-based businesses to accumulate wealth so they can maintain their affluent lifestyle in retirement—or whenever they choose to work less.

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Investing For Life Beyond Business® helps owners of service-based businesses to accumulate wealth so they can maintain their affluent lifestyle in retirement—or whenever they choose to work less.

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No Widgets

Furuya & Co.