Niche
Advisors for recently sold a business clients
Independent advisors on Valora who work with recently sold a business clients.
We don't have an advisor specifically tagged for this yet, but the advisors below work with clients nationwide and can tell you if this is something they cover.
James Conole, CFP®
Founder · Root Financial
Works with people who are within about ten years of retirement and want a clear plan for getting there.
Kevin Lum, CFP®
Foundry Financial
Host of Retirement Made Simple, focused on making retirement decisions clear and straightforward.
Eric, CFP®
The PeakFP
A CERTIFIED FINANCIAL PLANNER™ professional specializing in retirement income planning.
Even Better Retirement
Retirement planning
“You saved money for a lifetime, now it’s time to have fun.”
Common questions
What should I do first after the sale closes?
Secure the tax reserve before anything else: set aside the estimated federal and state bill in something safe and liquid. Then rebuild the plan the business used to be - income, investments, insurance, estate documents - around the new balance sheet. Most post-sale mistakes come from moving fast, not slow.
How is my sale taxed and can I still reduce the bill?
It depends on deal structure - stock versus asset sale, installments, earnouts. After closing, remaining levers include timing installment recognition, charitable strategies, and harvesting losses. Anything structural had to happen before the sale; a tax professional can still optimize what remains.
How do I replace the income my business provided?
From the portfolio now: a sustainable withdrawal rate against the after-tax proceeds, coordinated with any earnout or installment payments, and a cash reserve for the transition years. The number that matters is annual spending versus after-tax assets - build the income plan around it, not around what the business used to pay you.
Should I invest the proceeds all at once?
Evidence favors prompt investing over long dribbles, but for life-changing liquidity a staged plan over several months is a reasonable emotional compromise. What you should not do is leave the full amount in cash for years waiting for the 'right moment.'
Do I need a new estate plan after selling?
Almost certainly yes. The estate built around a business - buy-sell terms, entity structures, old valuations - is now wrong. New documents should reflect liquid wealth, updated exemption planning, and possibly trusts for children, with beneficiaries updated everywhere.
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