Where business value becomes personal wealth.
A successful business doesn't automatically become personal wealth. We coordinate the four areas where it's won or lost — tax, insurance, investments, and exit.
One plan, one team accountable for the whole picture.
Protect
Buy-sell funding, key-person coverage, and continuity that protect the value you've built.
Align
Entity, compensation, and tax strategy — coordinated so more profit reaches you.
Integrate
Retirement plans and diversified personal investments that build wealth outside the business.
Distribute
Exit, succession, and legacy planning that converts ownership into wealth you keep.
Diagnose. Design. Deliver.
Owner Advisory Group is the business owner wealth advisor - and The PAID Architecture is industry-leading framework that makes the plan coordinated, prioritized, and actionable.
Diagnose the gaps.
Identify where business value is exposed, leaking, trapped, or poorly positioned across the four domains.
Design the wealth plan.
Build one coordinated PAID Architecture Plan across Protect, Align, Integrate, and Distribute.
Deliver the implementation.
Implement, coordinate, and manage the plan over time — one team accountable for the whole picture.
The PAID Architecture Brings the Pieces Together
The PAID Architecture is the proprietary wealth architecture framework Owner Advisory Group uses to diagnose where business value may be exposed, leaking, trapped, or poorly positioned — and to organize the plan across four domains.
Protect
- Key-person exposure
- Ownership agreements
- Concentration & continuity
Align
- Owner compensation design
- Tax strategy, not just prep
- Capital-allocation rhythm
Integrate
- Owner retirement structures
- Coordinated investments
- Independence without an exit
Distribute
- Transferability & readiness
- Financial-narrative clarity
- Legacy & transfer paths
The firm behind
Owning Differently™
Owner Advisory Group created Owning Differently — the book, the PAID Architecture, and the platform that help established business owners turn company value into personal wealth they actually keep. It's how we put our approach directly into our clients' hands.
The Book
Owning Differently: Turning Business Success into Personal Wealth — the playbook that started it all.
The PAID Architecture
Our four-domain framework: Protect, Align, Integrate, Distribute.
The Platform
Where advisors and owners run the full diagnostic and build the plan together.
Turn business success into personal wealth you actually keep.
The Diagnostic Changes How Owners See Their Business
Most business owners know their company has value. Fewer know whether that value is protected, aligned with their personal goals, integrated into their wealth plan, or positioned for transfer. The PAID Architecture gives the owner a structured way to see the gaps before they become expensive.
You see what is exposed
Risk, insurance, key-person, continuity, and buy-sell gaps become visible.
You see where value is leaking
Compensation, tax, benefit, and cash-flow misalignment can be identified.
You see what is trapped
Business value, retained cash, and owner wealth concentration become clear.
You see what happens next
The PAID Architecture Plan turns the diagnosis into prioritized action.
Two Deliverables. One Coordinated Path Forward.
The Business Owner Wealth Review delivers a Business Wealth Diagnostic and a PAID Method™ Plan — designed to show where you stand today and what to do next.
Business Wealth Diagnostic
A structured read on where business value is exposed, leaking, trapped, or poorly positioned.
- PAID Architecture domain scores
- Estimated wealth gap
- Structural readiness profile
- Domain severity findings
- Recommended action plan
PAID Architecture Plan
A prioritized plan that turns diagnosis into recommended solutions and implementation steps.
- Prioritized PAID Architecture Plan
- Recommended solutions, products & tax strategies
- Implementation roadmap
- Ongoing Advisory & progress tracking
The plan is only valuable if it gets implemented.
Owner Advisory Group recommends, manages, oversees, reviews, and updates the plan so decisions do not die after the meeting. Ongoing Advisory keeps strategy and implementation moving across the professionals and solutions required to execute the PAID Architecture Plan.
Strategy & Recommendations
01Refine and update the PAID Architecture Plan and recommend the next set of moves as the business and the owner evolve.
Manage & Oversee
02Manage implementation and oversee the investment, insurance, retirement, tax, and legal work through approved partners and licensed professionals.
Review & Update
03Track progress against the plan, review what has been implemented, and update priorities so the plan keeps moving.
Matt Hertig
I spent nearly twenty years as co-founder and CEO of my own company — six-time Inc. 5000 honoree — before I exited it myself. I learned the gap firsthand: you can build a business worth millions and still have no real plan for turning that value into wealth you actually control. Most owners find that out too late, after one advisor handled the insurance, another the investments, and no one connected the two to the exit. The PAID Architecture is the framework I built to close that gap — Protect, Align, Integrate, Distribute — and Owner Advisory Group is how I deliver it: as the single advisor who leads the strategy, instead of one more name in a fragmented list.
Why Business Owners Trust Owner Advisory Group
Business owners deserve advice from someone who has built, operated, and successfully exited a business — not someone who has only advised one.
Built and Led a Business for Over 20 Years
Real-world operational experience leading and growing a successful business.
Successfully Exited a Business
Firsthand experience navigating the complexities of preparing, marketing, negotiating, and successfully selling a privately held company.
Six-Time Inc. 5000 Company
Leadership experience building one of America's fastest-growing private companies.
Certified Exit Planning Advisor (CEPA)
Professional training focused on maximizing business value and preparing owners for successful transitions.
Licensed Financial Advisor & Insurance Professional
Experience helping business owners coordinate investments, retirement strategies, insurance planning, and long-term wealth decisions.
Creator of The PAID Architecture
A proprietary framework built specifically to help owner-led businesses convert business value into personal wealth.
Built by Someone Who Has Been There
Many advisors spend their careers helping business owners.
Few have actually built, operated, and successfully exited a business themselves.
Owner Advisory Group combines firsthand entrepreneurial experience with professional financial expertise to provide advice grounded in both strategy and real-world execution.
How We Work Together
A structured process designed to help business owners move from uncertainty to coordinated execution and long-term personal wealth.
- Step 01Discover
Initial Discovery Conversation
We begin by understanding your business, personal goals, current advisory relationships, and the challenges standing between business success and personal wealth.
- Step 02Diagnose
The PAID Architecture Diagnostic
Using The PAID Architecture, we identify structural gaps, planning risks, and opportunities across Protect, Align, Integrate, and Distribute.
- Step 03Design
Strategic Wealth Blueprint
We prioritize recommendations and build a coordinated roadmap designed specifically for your business, your family, and your long-term objectives.
- Step 04Implement
Implement & Coordinate Your Plan
We help coordinate financial solutions, professional advisors, insurance strategies, retirement planning, tax planning, and operational initiatives needed to execute the strategy.
- Step 05Manage
Ongoing Management & Guidance
Your strategy is reviewed, adjusted, and coordinated over time as your business, personal goals, and opportunities evolve.
- Step 06Achieve
Greater Personal Wealth
The objective is not simply building a more valuable business — but helping that value become meaningful personal wealth and long-term financial independence.
Strategy Is Only the Beginning.
The PAID Architecture provides the blueprint. Owner Advisory Group remains engaged to help implement, coordinate, and manage the strategy as your business and personal goals evolve.
Building Resources for Business Owners
Owner Advisory Group is committed to creating practical resources that help business owners make better financial and operational decisions.
The Wealth Gap
Business owner book
Business Owner Insights
Articles and educational resources
PAID Architecture Webinars
Educational presentations and workshops
Business Owner Resource Library
Guides, checklists, and planning tools
See where you stand across all four PAID Architecture domains.
Begin with a Business Owner Wealth Review and receive your Diagnostic and PAID Architecture Plan.