出售企业时的财富管理问题

While there are a multitude of issues facing a business owner when they decide to sell their business, one of the most important areas that often gets overlooked is creating a financial plan.  The transition of having plenty of income from your business to meet your cash flow needs to one in which an investment portfolio now supports your 支出 needs can be a challenge for an owner after a sale.  The way to gain peace of mind on this issue and a road map for success is to create a detailed financial plan based on the facts of your current financial position.  虽然财务目标可能因人而异, the process of creating a tailored financial plan to achieve your financial independence is the same.

这个过程从评估你当前的资产负债表开始, consisting of your various assets and liabilities including cash, 应纳税的投资, 退休账户, 房地产, 贷款余额/债务, 人寿保险单, 以及其他个人和企业资产. 除了清点你的资产, a discussion should also be had regarding unique factors that play into your long-term investment strategy, including current age and your ability to stay disciplined in both up and down capital markets.

Upon establishing your current financial position and investment considerations, you will then want to project forward various financial factors including your expected personal income, 当前和预期的退休费用, 以及其他各种个人财务考虑.  This list should include all of your expected costs in the future such as new cars, 孩子们的婚礼, 还有年假.  While we cannot predict exactly how your financial future will unfold, we can calculate a range of potential results based on likely scenarios. 

一旦建立了财务基础情况, you can then begin the value-add process of changing assumptions to assess their impact on your long-term financial plan. You will want to look to address the following “what if” questions, including:

• Will my current assets be enough to meet my long-term 支出 needs? If I retired earlier or later, what impact might that have on my investment portfolio in retirement?
• 如果将来我的收入增加了怎么办?  那会对我的财务状况造成多大的影响啊?
• What if I spend more during the first 10 years of retirement and then I reduce my 支出 later?
• What if my investment portfolio grows at a faster or slower rate than I anticipated? What is the corresponding impact to retirement age, 支出, savings rates, etc.?
• 我应该在几岁申请社会保险? What is the impact if I file before my full retirement age or after?

This process will “stress test” your financial plan to make sure that it can handle a multitude of different scenarios and still take care of your 支出 needs for the rest of your life.  The process of analyzing your current financial position and projected financial future from an income, 支出, and savings perspective greatly improves your chances of being successful over time. 财务计划, 按照描述构造, should serve as your financial road map and inspire confidence in achieving your long-term personal financial goals.

所讨论的材料仅供参考, 而且这不能被理解为投资, 税, 或法律建议.  个别情况可能有所不同, 因此, this information should be relied upon when coordinated with individual professional advice.