Your company is the family balance sheet. Plan it that way.

The earlier the planning starts, the more options stay open. Before a sale, we work through what you want life to look like after it, what the proceeds need to do, and how timing and structure interact with taxes and your estate plan.

What we look at

• Your goals after the exit: stay on, step back, or start something new
• Structure questions to raise with your CPA and attorney: cash at close, earn-outs, rollover equity, seller notes
• Tax timing and entity questions, coordinated with your CPA
• Gifting and estate questions worth raising before a sale, coordinated with your estate attorney

Concentration usually built the wealth. It also means one customer, one market, or one bad year can move the whole family balance sheet. We help you decide how much to keep in the business and how to build assets outside it, on a schedule you choose.

What we look at

• How much of the family’s net worth depends on the company
• Taking money off the table over time: distributions, compensation, partial sales
• A portfolio outside the business that doesn’t repeat its risks

A liquidity event turns an operating business into a stack of decisions: taxes to set aside, income to replace, family expectations, and a portfolio that now has to do the job the company used to. We slow it down and put the order of operations on paper.

What we look at

• Setting aside estimated taxes and near-term cash before investing
• Replacing the income and benefits the company provided
• Building the long-term portfolio in stages, using our Modern Portfolio Design (MPD) models
• Charitable and family gifts, coordinated with your CPA and attorney

A family business ties family and money together: who works in it, who inherits it, and who’s ready for what. We help the family see the plan, and we keep beneficiary designations, account titling, and trusts in line with the estate plan your attorney prepares.

What we look at

• Beneficiary designations and account titling checked against your estate documents
• Preparing the next generation: what they know, when, and how
• Succession questions for family members who work in the business
• Charitable giving, from annual gifts to longer-term strategies

Your CPA sees the return, your attorney sees the documents, your banker sees the deal. We keep one shared picture so decisions get made once, with everyone working from the same facts.

What we look at

• One summary of your balance sheet, entities, and goals that your advisors can work from
• Joint conversations when a decision needs more than one advisor
• Your CPA and estate attorney, kept in the loop on the decisions that affect them