Equally important to knowing the current value of today’s business is create valued based plans that incorporate an understanding of the sources of business value creation and the release of such value to meet multiple responsibilities of the business owner to him or herself, family, and other persons, charities, and causes.  


Value Based Plans in a manner appropriate to client needs. Key areas of Value Based Planning include the following:

1.  Initial Valuation Estimate: Four “P’s” of Value

  • People (including Management Team & Employees)
  • Products & Services
  • Processes (Systems
  • Protections (Entry Barriers including size, licenses, patents, etc)

2.  Assess Valuation Potential, incorporating some or all of the following

  • Strategic Financial Planning
  • Hone Products, Services, Contracts, Customers & Market Share in ways that build value
  • Incorporate SWOT Analysis: Existing & Prospective
  • Assess Value Drivers & Key Performance Indicators
  • Address Risk (often done as part of Strategic Planning
    • Identify Event Risks
    • Vulnerability Analysis Associated With Event Risks
    • Practical Risk Management
      • Note our piece on Value At Risk (or “VAR”), the financial world’s latest Dead Parrott
  • Reassess Any Defined Benefit Plan
  • Incorporate Employee Assessments & Incentives
  • Incorporate Depth of Management Considerations
3.  Tax Planning & Legal Protections (includes Value Based Personal Plan)
  • Elect S Corporation to Mitigate Double Tax onSale
  • Tax Advantaged Insurance Options
    • Variable Life Policy Loans (Non-“MEC”)
    • Captive Insurance Presentation
  • Inventory Other Creditor-Protected Assets (e.g. 401k, 403b, IRAs: owner & spouse)

4.  Risk Management in an Uncertain & Low Return World (tailored to income level & assets)

  • Government Securities
  • Hedge Funds
  • Hybrid Annuities (Immediate, Fixed, & Income Combinations in conjunction with separate financial advisors)


We work together with a network of other firms to help owners accomplish these and other financial objectives.


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