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Decision Points

Are you prepared to navigate the defining phases of your business growth?

Ask yourself...

Ask yourself...

Are  you counting on your business to provide you with retirement income?

Ask yourself...

Ask yourself...

How do you monetize your business for full value?

Ask yourself...

Ask yourself...

Do your business have liquidity, and can you easily access it?

Which crucial decision point does your business face?

Every business owner needs advice to navigate the opportunities and pitfalls that lay ahead. 

Perhaps you've been too busy working inside your business, rather than focusing on your growth plan for it.

All business owners need advice to navigate the financial landscape.


Do you have a clear strategy for growing your business value?

How are you preserving your business value?

Is there a clear plan to transfer your business interest at retirement?

Have you safeguarded your family's financial situation?


There are opportunities and pitfalls that we can guide you through.

Every business owner needs advice to navigate the opportunities and pitfalls that lay ahead. Perhaps you've been too busy working inside your business, rather than focusing on your growth plan for it. If you are concerned about these issues, you're not alone.

  • There are 30.2 million “small businesses” that employ under 100 employees and represent 99.9% of U.S. businesses. (United States Small Business Profile, 2018 prepared by the SBA Office of Advocacy) 
  • Accumulating enough retirement funds is a problem for many small business owners. 34 percent of small business owners lack retirement savings. (Manta online poll of business community 5/2017)
  • Three in five small businesses do not have a succession plan in place, with older owners less likely to have a plan than younger owners. (Small Business Owners Study conducted by Harris Poll 2/2017)
  • Only 20%-30% of businesses that go to market end up selling despite 2017 and 2018 setting new records for the most annual small business transactions. (BizBuySell Insight Report Q1 2019)



<b>Your Navigation Choices<br /></b>

Your Navigation Choices

The personal financial health of small business owners is affected by your navigation choices.

That is why we call them decision points. All businesses go through successive phases.
Each phase is distinct, and has no set time frame.

What is the current phase of your business?

Start-up
• Long hours, few key players and multiple roles
• Excitement and innovation
• Little revenue and significant expense

Growth
• Growing profit and revenue
• Increase in clients or customers
• Increase in business staff, managers and delegation of tasks
• Financial resource access is greater

Maturity
• Stability of profits and cash flow
• Loyal customers and a stable market
• Large staff, refining systems procedures
• Tax burden increase

Rejuvenation/Transfer
• Considerable business worth
• Changing owner's role
• Management strength exists, separate from departing owner

<b>Crucial Decision Points<br /></b>

Crucial Decision Points

During each phase outlined below, there are certain crucial issues that business owners face.

How your business navigates these issues can make the difference between profit and loss, and even between the survival or closure of a business.

What are these crucial decision points?

Start-up
• Sufficient capitalization of the business
• Utilizing safeguards to protect the owner’s family
• Protecting the business from liability and property damage

Growth
• Providing benefits to recruit and retain essential, key people
• A plan for against the unexpected departure of an owner or other key people
• Systems and procedures in place for efficient financial controls

Maturity
• Retirement future of owners adequately addressed
• Development of the "strength of the bench" for management
• Refining the estate and business succession plans of the owner

Transfer of business / Rejuvenation of business
• Sufficient financial resources and clear plans to carry out transfer or rejuvenation of business

Just getting started as an entrepreneur?

Just getting started as an entrepreneur?

Talk to us about financial strategies for the future of your business, tailored to your needs and goals.

Want to expand and grow your business?

Want to expand and grow your business?

We're familiar with options you may not have thought of to assist your expansion.

Ready to partially retire and prepare to pass the reins?

Ready to partially retire and prepare to pass the reins?

We can guide your financial transition plan to gradually prepare for the next leadership.

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