The business is most of your wealth. Plan accordingly.
For most Houston business owners, the business is the largest, most concentrated, and most personally consequential asset they own. I help you plan around that reality — succession, buy-sell funding, key-person coverage, and what happens when you eventually sell or step away.
At a glance
- Best for
- Owners with $1M+ in business value or 10+ employees
- Format
- In-person Houston · Virtual where licensed
- First step
- Complimentary intro call · 5–45 min
- Coordinates with
- Your CPA, attorney, plan administrator
Situations I see most often.
- You're a partner with no buy-sell agreement, or one that hasn't been reviewed in years.
- Your business depends on a key person whose loss would be catastrophic.
- You're 5–10 years from exit and want a glidepath, not a fire sale.
- You want to extract value tax-efficiently, not in a single taxable event.
- You have family members in and out of the business and need to balance fairness.
What the engagement covers.
- Succession-plan framework.
- Buy-sell agreement review (with your attorney) and funding analysis.
- Key-person and disability coverage assessment.
- Business-valuation conversation — when to engage a formal valuation.
- Owner retirement-plan optimization in parallel (cash balance, DB).
- Pre-sale structuring conversations with your CPA.
A measured approach, in clear steps.
Business overview
What you own, who's in the business, what you'd need to be true to step away.
Risk inventory
What would break if you, your partner, or your key employee disappeared tomorrow.
Funding plan
Buy-sell funded with what — insurance, sinking fund, financing? Each has tradeoffs.
Coordination
I'm not your attorney or CPA, but I work with them. Documents and tax structure are theirs; planning is mine.
Houston-specific.
Houston has an unusually high concentration of family-owned and partner-owned businesses, particularly in energy services, professional services, and real estate. Many were started in the 1980s–90s and are entering succession territory now. Plans built when the founders were 45 don't always fit when the founders are 65.
Plain-English answers.
Do I need a formal valuation?
Should I fund the buy-sell with insurance?
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Let's talk about your situation,
not a generic plan.
The first conversation is complimentary — anywhere from 5 to 45 minutes, your call. No pitch, no pressure. We'll cover what you have, what concerns you, and whether working together makes sense.