Engineered for your success.

Business succession planning prepares the transfer of your business to family, a partner, a key employee, or an outside buyer in a way that protects its value, minimizes taxes, and keeps the transition smooth for your team and customers. It typically includes a buy-sell agreement, a professional valuation, key person planning, and an exit strategy designed years before the event.

A buy-sell agreement is a legally binding contract that defines exactly what happens to an owner’s interest if they die, become disabled, or want to exit. It protects the remaining owners from unwanted partners and guarantees the departing owner a fair, pre-agreed value. Every closely held business with more than one owner should have one.

NIL income is taxable, and most of it arrives as self-employment income, which brings quarterly estimated payments and self-employment tax on top of income tax. How an agreement is structured, and which states the income touches, can change the outcome significantly. We help athletes structure agreements, manage the tax exposure, and evaluate brand deals from the first dollar.

It depends on your life expectancy, marital status, other income sources, and tax situation. Claiming at 62 reduces your benefit by roughly 30% versus full retirement age, while waiting past full retirement age grows it by 8% per year until age 70. For married couples, a coordinated claiming strategy can add hundreds of thousands of dollars over a joint lifetime. There is no universal answer, only the right one for your plan.

It coordinates every dimension of your financial life under one strategy: retirement income planning, investment management, year-round tax planning with your CPA, estate coordination with your attorney, an independent insurance review, and Social Security optimization, plus business succession planning when it applies. Ongoing accountability comes through quarterly meetings and an annual call with your full professional team.