The business is most of your wealth. Plan accordingly.
For most 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 $500K+ in business value or 10+ employees
- Format
- Virtual anywhere in the US. In-person in the Houston area upon request.
- First step
- Complimentary intro call · 5–45 min
- Coordinates with
- Your CPA, Attorney, and Plan Administrator
01 · Who this is for
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.
02 · What's included
What the engagement covers.
- Succession-plan framework.
- Buy-sell agreement review (with your Attorney and CPA).
- Key-person and disability coverage assessment.
- Business-valuation conversation — when to engage a formal valuation.
- Owner retirement-plan optimization.
- Pre-sale structuring conversations with your CPA.
03 · How the process works
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.
04 · Common questions
Plain-English answers.
Do I need a formal valuation?
For a buy-sell to be effective and a succession plan to be credible, yes — at some point. Annual updates may not be necessary; periodic refreshes generally are.
Should I fund the buy-sell with insurance?
Often, yes — life insurance is a common, tax-efficient funding vehicle for buy-sell obligations. Sometimes a sinking fund or financing is more appropriate. The right answer depends on owner ages, business cash flow, and partnership structure.
05 · Related services