A business sale, property sale, or buyout
A major sale creates several decisions at once. Slow the reinvestment down.
The Proceeds Allocation Map divides taxes, near-term needs, reserves, protected assets, growth, income, and legacy goals — coordinated with your tax and legal professionals before anything is placed.
Complimentary and educational. A licensed specialist reviews it with you by Zoom or phone in about 20 minutes — no product presentation.
12+ years each
Retirement & income planning experience
3,000+
Retirement income strategies reviewed
$3 billion+
Retirement assets analyzed
Each of our Experts brings at least 12 years of successful college funding and retirement planning experience, beginning with A+ Rated Carrier Training.
What your Proceeds Allocation Map shows
- Amount to hold back for taxes and transaction obligations
- Goals occurring in the next one, three, and ten years
- Dependable income the proceeds should create
- Reserves, protected assets, growth, and legacy allocations
What a good outcome looks like
A written allocation map, your tax and legal professionals in the loop, and one clear next action.
The questions we work through
- What amount must remain available for taxes and transaction obligations?
- Which goals occur in the next one, three, and ten years?
- How much dependable income should the proceeds create?
How the follow-through works
- Day 0: Send the proceeds worksheet.
- Day 3: Confirm the closing timeline and tax holdback.
- Day 8: Draft the allocation map.
- Day 14: Coordinate with tax and legal professionals.
- Day 25: Document the allocation and next action.
You decide the pace. At any point you can ask us to follow up later or close the loop entirely.
Common questions
Liquidity-Event Campaign: the questions people ask first
I just sold a business or property — what should I do first?+
Before investing anything, settle the tax bill for the year of sale, set aside the money you need in the next two years, and define what the remaining proceeds are for: income, growth, or heirs. Proceeds that skip this step usually sit in cash for years.
How do I reduce taxes on a large one-time gain?+
The levers depend on the asset and the structure of the sale — installment treatment, charitable strategies, harvesting losses, and coordinating the gain year with deductions or Roth conversions. Most of these must be arranged before or during the year of the sale, not after.
Should the proceeds produce income right away?+
Only if you need income now. Otherwise the proceeds are usually split by timeline: reserves for the near term, income-producing assets for the years you will spend, and growth or legacy assets for the rest.
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This review is educational and is not tax, legal, or accounting advice, and is not an offer or solicitation. Annuities are long-term insurance products that may involve fees, surrender charges, withdrawal limits, and tax consequences; guarantees depend on the claims-paying ability of the issuing insurer. Bank deposits and annuity contracts are not protected in the same manner. Rollovers and replacements are evaluated as balanced decisions, including the option to keep what you have. We coordinate with — and never substitute for — your tax and legal professionals.
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