Thank you for your submission!
Here is the Gap Check.
One page, about ten minutes, no valuation required.
Work through it in order. The early questions are arithmetic. The later ones are not, and those are the ones that tend to move people.
If it surfaces something you want to talk through, a Connect Meeting is 60 minutes at no cost. We work with owners on both balance sheets, not just the one that trades.
Want to work through it with someone who has sat with owners on both sides of a sale? Book a Connect Meeting. 60 minutes, no cost, no obligation. Book a Connect Meeting
Frequently Asked Questions
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There is no fixed rule, but concentration is the risk worth measuring. When most of a household's net worth sits in one illiquid asset that also generates the income, both the retirement plan and the emergency plan depend on a single outcome. Many owners work toward building assets outside the business well before they intend to sell.
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Most owners benefit from starting three to five years before an intended sale. That window allows time to clean up financials, reduce owner dependence, and address tax positioning. Planning started in the year of a sale leaves far fewer options open.
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Owners often value the business on the income it produces for them today. Buyers value it on what it produces without them, after replacing the owner's role and removing owner specific benefits. The gap between those two figures is frequently larger than expected.
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No. A planning conversation can begin with a working estimate and a stress test at a lower figure. A formal valuation becomes important when a transaction, a buy-sell agreement, or an estate matter depends on the number.
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A Connect Meeting is a 60 minute conversation with an advisor at no cost. You bring your situation and questions. We tell you what we see, where the gaps are, and whether working together makes sense. There is no obligation to continue.