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A business sale is the largest financial event most owners will ever navigate. We help you maximize the after-tax proceeds and build a plan for what comes next.
Payment terms, tax elections, and deal structure made during the sale process determine how much of the purchase price you retain. The gap between a well-planned exit and a reactive one can be substantial.
Capital gains, recaptured depreciation, installment sale elections, and state tax exposure all converge at the moment of sale. Without planning before the transaction, you're managing consequences rather than outcomes.
For most owners, the business is both the primary asset and the primary income source. After the sale, both are gone. A personal financial plan needs to be ready to replace them before the transaction closes.
Proceeds arrive and expectations follow quickly. Without a clear plan for how the capital will be invested and protected, a successful exit can still produce poor long-term outcomes.
Our business sale wealth management service coordinates deal-stage planning, tax strategy, and post-sale investment management into a single engagement built around your exit timeline.
A structured process that begins before the sale closes and carries through into a comprehensive post-sale financial plan.
The conversation opens with four things: how the business is structured, when you expect to sell, where your personal finances stand today, and what you want life to look like afterward. The sooner we're involved, the more options stay open.
Working with your transaction attorney and accountant, we pressure-test deal structure, tax elections, and timing before you sign anything. Entity setup, installment arrangements, and charitable strategies all get reviewed while they can still change your after-tax result.
As closing nears, the steps have to happen in order. We prepare your accounts, plan the tax withholding, and set the initial allocation of proceeds so your capital is protected through the handoff.
Once the deal closes, we build the plan for what's next: an investment strategy, a way to replace the income the business provided, ongoing tax management, and an estate structured for the long run.
Have questions? We’ve got answers. Here is what people are asking. If you don’t see what you’re looking for, feel free to reach out!
We focus on the decisions with the most impact on your after-tax proceeds: deal structure, payment terms, installment sale elections, and the timing of the transaction relative to your personal tax position. These decisions need to be made before the letter of intent is signed, not after.
The structure has significant tax implications for both buyer and seller, and the right answer depends on your entity type, cost basis, and personal tax situation. We model both scenarios alongside your transaction advisor so you understand the after-tax difference before you agree to terms.
The first priority is capital preservation and tax preparation, not investment returns. We establish a holding position for the proceeds, coordinate estimated tax payments, and build the long-term investment plan without the urgency that leads to poor allocation decisions.
We build a post-sale income plan that accounts for your lifestyle needs, tax position, and investment time horizon. For most owners this involves a combination of portfolio income, structured withdrawals, and in some cases deferred payment arrangements negotiated as part of the deal itself.