Approximately 40% of businesses will change hands in the next 5 years.
98% of businesses don’t know their value.
Even if buy/sell agreements are in place, 90% of the plans we see are unfunded.
78% of business owners plan to fund 80% to 100% of their retirement through the sale of their business.
40% of business owners have no life insurance — and of those that do, almost 50% don’t have enough.
We help ensure that you’re ready, no matter what.
We assist with funded transition planning related to:
- Retirement
- Death
- Incapacitation
- Divorce
- Transition to Heirs
- Friendly Acquisition
- Challenged Takeovers
- Co-owner Bankruptcy / Financial Challenges
- Untenable / Unethical Co-owner Behavior
We assess the funding role of:
- Insurance/ Life Insurance LLC
- Financing
- Intentionally defective irrevocable trusts (IDIT)
- Grantor retained annuity trusts (GRAT)
- Incomplete gift non-grantor trusts (INGT)
- Asset sales
- Interest sales
- Equity swaps
- Installment sales
- Recapitalization and family limited partnerships
- Levered transfers
- Earnouts
- Employee stock ownership programs
- Gifting to heirs or charities
- Estate freezing techniques
- Section 1202 Capital Gains Exclusions
- Section 1045 Rollovers
- Opportunity Zone Reinvestment
…and how to build these funding mechanisms tax-efficiently into your buy-sell agreements