“Managers and investors alike must understand that accounting numbers
is the beginning, not the end, of business valuation.” Warren Buffet

If you are a boomer business owner starting to:
Think about your next move…
Need to know what your business is worth…
Need to understand your 3 Gaps…
Want to be more successful as an owner…
Want to maximize Value as you scale and grow…
Want to know all your options for Exiting…
Want to share your wisdom and knowledge…
Want to know what is really possible…
We can help your whole team win.

Do you understand the
value of your business
today?

If you had to transition,
what would you like to
see happen with your
business?

 How would you rate the
strength of your
intangible capital?

If you want to win your race...
you really need a pit crew & chief...
and they need to only work for you.

The faster you go (or grow), or the more weight (or responsibility) you are carrying… the more maintenance, fuel, and guidance you need.

We take you out from working underneath the car, and put you back in the drivers seat.

The first thing we do is assemble the core of your pit crew. Business Panning and Exit planning is a team game. No one in the EPI – CEPA community can do this alone. 
Setting up a collaborative team allows you to focus on driving your business and making memories with people you love.  Crew members are subject matter experts, they often specialize and understand a few areas very deeply.

A financial “pit crew” needs to:

  • Meet together to make sure your advice is fully coordinated and integrated.
  • Be comprised of professional advisors, not product salespeople
  • Be independent, fee-only, fiduciaries who only work for you
  • Only get paid for advice, not products
  • Have a 4 year degree in business, economics, or finance
  • Have a professional credential relevant to business owners: CEPA® (Certified Exit Planning Advisor), CFP® (Certified Financial Planner), CFA (Chartered Financial Analyst), CPA (Certified Public Accountant),  CTFA (Certified Trust and Financial Advisor), etc

A Crew chief understands each area of mechanics and all of the racing elements, but defers to the subject matter experts. The chief assumes the responsibility of coordinating the whole pit crew, race team, and co-creates strategies with the driver. This synergy starts to optimize the mission. It gives a heads up to whole system, especially when the yellow flag comes out.

Common “yellow flag” conditions for business owners: 

  • Hiring your way “out of a job

  • Expanding into a new market

  • Acquiring a competitor

  • Starting to think about an exit

Imagine a future where:
• Your financial “pit crew” meets together and all your personal, financial, and business advice is fully integrated; allowing you to focus on your business and personal time
• You feel in control at the wheel and confident that you’ve got the wisdom 
you need to make the right calls
• You have confidence and clarity in your vision for the future and the steps
to get there
• You’re enjoying life and taking advantage of more freedom from the day-to-day

Real Financial Planning for Business Owners

Wealth Management includes every facet of the Business Owner’s life,
not just the areas where the Investment, Securities & Insurance Industry can earn commissions & compensation.

Wealth management for business owners must focus on non-securities assets. 80% of business owners assets are real estate, property, business assets, and the business itself.

Ideally, it should also be Asset Agnostic. Most of the time, reinvesting in the business is the best thing to do. Selling well performing assets to go to market securities… is often just because the salesman only gets paid that way. Sometimes it is a great idea to buy “alternative” assets like timber, farmland, real estate, etc to diversify the total portfolio.

Real Financial Planning should always include…

Comprehensive Wealth Management is an extremely valuable service that many business owners take on themselves without the expertise to tackle the various  components of the investment management and comprehensive planning:
Portfolio Management | Retirement Planning | Risk Management | Estate Planning.

Proactive Tax & Income Planning: This is tax optimization over decades, not simply doing a few things for next year. This includes heavy hitters like: Social Security Optimization,  Roth Conversions, Advanced Education Funding, Tax Mitigation, Tax engineering.

Total Portfolio Management: An individual’s asset allocation is the driving factor behind investment performance. This allocation should be  thoughtfully chosen based on risk tolerance, cash flow needs, and unique personal goals and implemented with a low-cost, tax-efficient, well diversified portfolio.

Retirement Planning: Retirement cash flow analyses can help business owners identify how much they need, how much they can spend, and what rate of return is acceptable for their portfolio in order to enjoy a successful retirement.

Risk Management: A business owner’s risk management needs are extensive and should include life, disability and umbrella insurance often with. Buy/sell agreements are an additional key component for business owners to provide protection and facilitate guidelines for companies in transition.

Estate Planning: Wills and Powers of Attorney (at the very least) and Living and Irrevocable Trusts (in some cases) are a necessity for business owners as they help minimize estate tax liabilities and ensure greater privacy and specificity for control and protections of assets before and after death.

Legacy & Family Governance Planning: Proper alignment of Asset Protection, legal, estate, taxation, charitable, risk management, digital assert plans, account titling, etc – can create a castle wall and moat effect for family wealth. But there is always a chance someone will let the drawbridge down. Preparing the wealth (or business) for the family is really important, but preparing the family for wealth is even more critical to your legacy. 

What is Exit Planning?

Exit Planning IS Business Strategy.

An exit plan asks and answers all the business,
personal, financial, legal and tax questions
involved in transitioning a privately owned
business.


It includes contingencies for illness, burnout,
divorce, death.

Its purpose is to maximize the value of the
business at the time of exit, minimize taxes, and
ensure the owner is able to accomplish all his or
her personal and financial goals in the process.

– Richard Jackim
Cofounder of the Exit Planning Institute

The Three Critical Risk Management Areas of Business Exit Planning.

Business Valuation & Acceleration Planning

  • Know how much your company is worth to market now.
  • Get insight on how much your company could be worth.
  • Aligns all your your personal, financial, & business goals.
  • Is centered on long term Strategic Growth.
  • Uses Values and De-risking to prepare for transitions.

Business Continuity & Succession Planning

  • Creating systems of prevention and recovery to deal with potential threats to the company, employee jobs, and owner profits.
  • Resilience to: key person deaths, natural disaster, pandemics, power loss, or cyber-attacks.
  • What if your CEO, CFO, COO, and CMO were driving to a meeting and got into a bad car wreck?

Business Exit & Ownership Planning 

  • Maximize the value of your business. 
  • Preserves and protects wealth for your family.
  • Help ensures the vitality for employees & customers. 
  • Makes it easier to own, operate, and keep a company;
    allows you to exit on your terms.

All you need to do to take the first step is schedule a Financial Diagnostic below, or by calling or emailing us.
If you’re looking to take your business and your wealth to the next level, we’re excited to work with you.