For Business Owners

You engineered the business.
Who's engineering
what it pays you when you leave it?

Most business owners have 60–90% of their net worth sitting inside one illiquid asset — the business itself. There's no diversification, no income floor, and no plan for what happens to the proceeds the day you sell, transition, or step back. That's the gap we close.

Schedule an Income Architecture Review See How We Help ↓

Typical Owner Balance Sheet

Where the Net Worth Actually Sits

The Business ~70%
Real Estate ~15%
Liquid / Retirement Assets ~15%
One exit event determines most of your retirement income. That's not a plan — that's a bet.

The Blind Spot

Business owners plan for everything except this

Buy-sell agreements. Key-person coverage. Succession documents. Most owners have those boxes checked. Almost none have a structured answer to a simpler question: the day the business converts to cash, what turns that lump sum into income you can't outlive?

1 Asset
Is usually where most of an owner's net worth is concentrated — with no true diversification until it converts to cash.
1 Shot
The exit is typically a single liquidity event, not a gradual accumulation — there's rarely a second chance to get the structure right.
$0
Is what most owners have ever paid into a guaranteed income floor — every dollar of retirement income has depended on the business performing.

Three Risks Unique to Ownership

The problems a W-2 retirement plan was never built to solve

01

Concentration Risk

Nearly all your net worth lives in one illiquid, undiversified asset. There's no income floor until that asset converts to cash — and no protection if the timing or terms of the sale don't go as planned.

02

The One-Shot Exit

A sale, transition, or wind-down is usually a single event, not a series of paychecks. Whatever structure is in place the day the proceeds land is largely what you're working with for the rest of retirement.

03

Qualified Plan Exposure

SEP-IRAs, Solo 401(k)s, and cash balance or defined benefit plans often carry larger, more concentrated balances for owners — which means bigger RMD exposure and a narrower Roth conversion window than most retirees face.

Where We Fit

We're not your succession planner. We're what happens after.

Business continuity, valuation, and buy-sell structure belong with your attorney, CPA, and M&A advisor — and we work alongside them, not around them. Our lane starts the moment the proceeds are in hand: engineering what that money becomes for the rest of your life.

What We Engineer

✓An income floor built from exit proceeds, qualified plan assets, or both — so retirement income doesn't depend on markets performing on schedule.
✓RMD and Roth conversion strategy for SEP-IRAs, Solo 401(k)s, and cash balance / defined benefit plans.
✓Sequence-of-returns protection for the years immediately before and after the exit — the most fragile window in the plan.
✓Coordination with your attorney and CPA so the income architecture matches the deal structure, not the other way around.

What We Don't Touch

–Business valuation
–Buy-sell agreement drafting
–M&A deal structuring or negotiation
–Succession / continuity legal documents

The Framework

The same Income Standard Score — read for an owner's balance sheet

Every plan we build runs through the same six-part diagnostic. For business owners, three of those six components carry outsized weight.

Get Your Score
01
Income Floor Coverage
How much of your monthly need is covered by guaranteed sources versus the business or portfolio performing.
02
Sequence of Returns Risk
Exposure in the years surrounding the exit, when a downturn does the most damage.
03
RMD Exposure
How concentrated qualified plan balances translate into future required distributions.
04
Roth Conversion Window
The years — often right around the exit — where conversions are most tax-efficient.

Next Step

Find out what your exit is actually funding

A complimentary Income Architecture Review looks at your business, your qualified plans, and your timeline — and shows you exactly where the income floor gap is before the exit happens, not after.

Schedule My Review — No Cost

No cost. No obligation. Just a clear picture of where you stand.