Who We Help
Business Owners—You built something that matters. Now what?
You’ve spent years turning vision into payroll, patents, and proud customers. The next leap—from hands on operator to hands free owner—demands the same grit plus a fresh playbook. We knit together the personal and the professional so your exit isn’t a finish line; it’s a launchpad.
How We Can Help
Value Acceleration Roadmap
Using time-tested methodology, we benchmark today’s enterprise value, outline “quick wins,” and stage longer term transformation tasks that can help raise a future sale multiple without derailing day to day ops.
Exit Ready Tax Strategy Playbook
Multi year modeling shows the impact of Section 1202 QSBS exclusions, 1042 rollovers, or installment sales, so you can choose the structure that keeps more in your pocket when the wire hits.
Personal Net Worth Bridge
We help translate illiquid business equity into a post sale cash flow ladder, marrying proceeds with pre existing IRAs, 401(k)s, HSAs, and brokerage assets for durable, tax efficient income.
Enterprise Risk Shield
Review and (when needed) redesign buy sell agreements, key person life insurance coverage, and owner replacement funding to protect value while a deal is pending.
Legacy & Impact Integration
Tie a donor-advised fund (for upfront deductions) or a family foundation into the closing package so your generosity scales with your liquidity event rather than becoming an afterthought.
Brittany Gautreau, CEPA®
Founder & Lead Wealth Advisor
After 12 years guiding clients in a key leadership role at her previous firm, she built Tenacity’s process to give you the same edge: one dashboard designed to unite every account, a specialist network that speaks with one voice, and a plan that adapts as fast as your ambitions. From an internship at the Seattle Federal Reserve to ops leadership at American Express Financial Advisors, Brittany’s two decades (and counting!) in the industry prove the power of consistent action. She now channels her resolve into clear, actionable guidance for clients planning their next chapter. Outside the office, you’ll find her road-tripping with her husband, Zach, or supporting foster care, veterans, and anti-trafficking causes.
Women In Wealth — You deserve clarity and confidence through life’s financial turning points.
Life can change fast, and money gets more complicated when it does. Divorce. Losing a spouse. Caring for an aging parent. A serious illness. Or simply stepping into retirement after a successful career. Women In Wealth deserve a steady financial partner through every transition with clear planning, coordinated strategy, and a calm next step. We’re often a strong fit for women who:
- have $1,000,000+ in investable assets
- are widowed and navigating inherited wealth
- are divorced and rebuilding clarity & control
- are nearing retirement after a successful career and want a coordinated plan
How We Can Help
Equity Compensation Blueprint
Scenario analysis for ISOs, NSOs, and RSUs pinpoints optimum exercise dates, AMT exposure, and sale windows, designed to help you capture upside without potential surprise tax bills.
Deferred Comp & Bonus Optimization
Strategies designed to Layer 401(k), mega backdoor Roth, and non qualified plans so today’s income fills tomorrow’s lower tax brackets—while a cash reserve “sleep fund” keeps you liquid between vesting dates.
Investment Peak Portfolio
Low cost ETFs, direct indexing, and a vetted sleeve of private credit or real estate funds (when appropriate) align growth potential with your risk budget—no performance chasing required.
Tax Efficient Income Layering
Multi year bracket projections identify potential Roth conversion windows, charitable bunching years, and harvest loss targets to help shave avoidable taxes each April.
Career Protection Suite
Own occupation disability, umbrella liability, and cyber fraud protections to help defend the balance sheet you’ve worked so hard to build—because one lawsuit shouldn’t unwind decades of discipline.
Transition Cash-Flow Roadmap
Create a clear picture of income, expenses, accounts, insurance, and timing — so decisions feel steadier and less urgent.
Misty Stoddart
Managing Director & Wealth Manager
Rooted in Southern values and shaped by life across the West — from Southern California to Idaho and Montana — Misty brings warmth, perspective, and steady leadership to every relationship she builds.
With more than 20 years of experience in the financial industry, Misty serves as Managing Director & Wealth Manager at Tenacity Wealth Management. She specializes in working with women navigating major transitions — widowhood, divorce, retirement planning after a successful career, and other life changes that can make financial decisions feel heavier than they should.
Misty is known for her thoughtful, personal approach: listening first, anticipating what’s coming, and building clear, coordinated strategies designed to help women protect what they’ve earned, regain clarity, and make confident next-step decisions.
Outside of work, Misty is often found exploring the outdoors, traveling, cheering on her kids, and gathering with the people she proudly calls family. She is also an official Wish Grantor with Make-A-Wish North Idaho.
Business Services
Scale & Grow:
Fuel today’s momentum. Build tomorrow’s value.
Early-stage and mid-career owners lean on us for cash flow optimization, retirement plan design, and Key Person life insurance coverage to help protect today’s momentum while adding enterprise value for tomorrow.
In practice, that often includes:
- 401(k) or Cash‑Balance plan design that tilts more dollars toward owner accounts.
- Tax‑credit mapping for Research & Development or energy incentives.
- Key‑Person Plus” life insurance coverage that funds a temporary talent gap if you’re sidelined.
Exit & Transition:
When it’s time to move on, don’t leave money—or opportunity—on the table.
When it’s time to move on, our exit strategies, tax-efficient structures, and lifestyle income mapping help convert years of sweat equity into liquidity (and a life you love).
Typical tools we deploy:
- Pre sale quality of earnings reviews.
- Section 1202 and 1042 rollover analysis.
- Coordinated deal structures that spread proceeds across tax years while protecting spouse and estate priorities.
Invest & Distribute:
Wealth that works long after the business card comes down.
Once you’ve transitioned out, the game changes. Your focus shifts from growing wealth to protecting it and living off of it. We craft disciplined, tax-efficient investment and withdrawal strategies designed to provide income without anxiety.
Your plan may include:
- Low-cost ETFs or direct indexing.
- Tax-loss harvesting and proactive rebalancing.
- Withdrawal sequencing based on future RMDs and lifestyle goals.
Legacy & Impact:
Make your money do more—for the people and causes you care about most.
From family governance frameworks to charitable giving and multigenerational wealth transfer, we help extend the good your wealth can do on your terms and timeline.
Your plan may include:
- Donor advised funds for high impact giving.
- Generation skipping or dynasty trust design (through our in-house counsel).
- Family governance playbook that turns tough money talks into productive annual summits.
