How do I value my business?
How do I maximise the value of my business?
What options do I have to exit my business?
When should I start planning to sell my business?
How can I successfully transition into retirement?

Coming towards the end of your time in business is generally an exciting and rewarding stage. You’ve invested a significant amount of time, money and resources, now you’re ready to start planning for the future and your retirement. 

How you exit or transition from your business, and whether or not you plan that exit can have a huge impact on your ability to live the life you want to lead. In some cases it’s forced by illness. If it isn’t, your options include selling, walking away or passing it down to family.

If you’ve failed to plan, you’ve planned to fail and, for this huge step, you need to start planning three, if not five years ahead. We’re here to help you do this to ensure you get maximum return for the exit/transition of your business. 

Our Services


Strategic Planning

We can work with you to devise a plan that enables the best ultimate outcome for your business.


Succession Planning

By helping you prepare for planned and unplanned exit, we can minimise the risks and boost the rewards.


Estate Planning

From wills to power of attorney to enduring guardianship, we can help you ensure that your wishes are carried out. 


Business Valuation

We can help you figure out how much your business is worth now, and forecast when it’s time to sell or exit.


Retirement Preparation

Retirement isn’t just about your finances, it’s being mentally prepared. We can help you plan for both.


Tax Minimisation (CGT) 

After calculating the capital gains tax on your business value, we can help you find ways to reduce it.


Employee Share Ownership Plans

Want to sell your business on to your employees? We can help you set this up efficiently and effectively.

Commonly Asked Questions

How do I value my business?

In most cases, value is dependent on future maintainable profits and the risk level of your industry and business type.

To work it out, you need to look at the profitability of your business then consider the expenses included in the profit and loss that would not be applicable to a new owner. This adjusted profit can then help determine the goodwill value.

Add to this any tangible assets e.g. bank account, debtors, vehicles and equipment then deduct any liabilities payable by the new owner e.g. creditors, employee leave entitlement etc. The net result of this, added to the goodwill value, would give you your fair value price.

How do I maximise the value of my business?

You can maximise the future value of your business by doing everything you can to ensure  the future maintainable profit of the business i.e. it’s potential to keep making money. You should do this prior to selling a business.

In addition, you need to do what you can to make sure your business is not dependent on you. For example, by enabling operations to run smoothly when you exit and ensuring clients will not leave when you do. You also need to ensure that your business is not high risk and therefore worth the investment.

How can I minimise capital gains tax?

When you sell your business, you may be liable to pay capital gains tax on any capital gain made. There are a number of ways you can minimise your potential capital gains.

You may have an option to restructure your business now to assist in reduced capital gains. You can also look at where your capital gains will eventually be held and whether that entity results in reduced capital gains tax. 

In addition, look at the timing of the sale of your business to minimise any taxation through planning of the eventual sale.

What options do I have to exit my business?

The options you don’t really want to take include walking away from it, gifting it to someone or being faced with an unplanned event. The best option is to sell.

This could be an outright sale, a merge where you receive the balance over time, a partial sale or a sale with vendor finance attached. Ideally, you want to sell to someone who sees real value in your business, for example family members, competitors, suppliers or employees.

When should I start planning to sell my business?

You may not think you need to start planning for business exit until it’s just around the corner. However, to ensure you cover all your bases and get the maximum return for all your hard work over the years, we recommend you start planning at least three if not five years before you intend to actually sell.

How can I successfully transition into retirement?

Financially, consider how much you will get from your business, how you will receive it and what your obligations will be. In addition, think about what you’re going to do with it and how that fits into your retirement plans and how you want to live.

Mentally, make sure you have plans in place to keep you busy. This could include charity work, other business ventures or perhaps being a grandparent so you don’t lose your sense of purpose or self.

How do I calculate what my estate is worth, including my business assets?

To calculate your estate you need to look at all of your assets and liabilities that are held in your name alone. This includes everything from your home and business to your life insurances and possessions. Be sure to take into account any costs associated with the sale of these assets. For example, would you have a capital gains or selling cost liability?

While technically not part of your estate, you should also take into account things like superannuation and trusts and ensure plans exist for these assets to end up where you want them.

How do I protect assets bequeathed to beneficiaries?

It’s important you consider what would happen to your estate in the event of your death. This includes ensuring that the transfer of ownership of assets is efficient, for example that your estate is not being unfairly taxed.

A common strategy is the use of testamentary trusts where your beneficiaries can benefit from asset protection and reduced tax, if structured correctly. 

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