Make the next chapter yours
Turn a business milestone into a life plan.
A sale can replace years of business income with one large sum and several future payments. Your plan needs to work for what you actually receive, and when you receive it.
Request a Fit CallWhat does this money need to do for your life?
01
Plan before signing
Bring your household goals into the deal discussion early. Your accountant and lawyer need time to assess tax and ownership questions before terms are fixed.
02
Map the money you can use
Separate amounts due at closing from taxes, debts, costs, holdbacks and contingent payments. Build around confirmed proceeds and test the uncertain parts.
03
Build an income plan
Connect spending, cash reserves, account withdrawals and other income. Test how a delayed payment or a change in markets would affect your plan.
04
Protect the people who matter
Review estate wishes, beneficiary choices, insurance and family support. Agree on an investment approach based on your goals and capacity for risk.
The path to work through
The exact scope and responsible professionals depend on your situation and the engagement agreed.
- 01
Set family and lifestyle goals
- 02
Coordinate before the transaction
- 03
Confirm proceeds and obligations
- 04
Build the income and wealth plan
- 05
Review through your next chapter
A useful first conversation starts with
- Your goals for work, retirement and family
- What is known about proceeds and payment timing
- The accountant, lawyer and other advisers involved
No documents needed in the first message.
Questions you may have
Should I wait until the sale closes to plan?
Starting earlier lets your personal goals inform the transaction. Some tax and ownership decisions may need attention before a binding agreement; ask your accountant and lawyer.
Do I have to move my investments to start a conversation?
No. A first conversation is about your situation, goals and the scope of help. Any planning or investment engagement and its fees are agreed separately.
Clear roles. A coordinated process.
Your M&A team
M&A lead
Glacier Financial
Your first point of contact for buying, selling and exit planning. Glacier leads the process and coordinates the business decision with your personal plan.
Accounting partner
Multitax Services
Accounting and tax work for your business transition, within the scope agreed with their team.
Visit their websiteLegal partner · VS Law Professional Corporation
Vikas Sharma
Legal advice and transaction documents under a separate legal engagement.
Visit their websiteEach professional is responsible for their own services. Scope, fees and any referral arrangements are explained before you engage them. Your information is shared with another firm only with your permission.
Your next step
Start with a conversation.
Tell us what you are considering and where you are in the process. We can discuss the fit, the people needed and the next step.
Keep your first message general. Please leave out financial statements, client names and deal documents. A secure document process and any needed confidentiality agreement should come first.
A first conversation is not an engagement to buy or sell a company. The provider, role, scope and fees must be agreed in writing before work begins.
Explore the rest of your next chapter
Business transactions, retirement planning and investment services can involve different providers and engagements. Confirm who is responsible for each service before proceeding. Legal, tax, valuation and financing work belongs with the appropriate professionals. No transaction outcome, sale price, financing or investment result is guaranteed.