Owner Wealth Navigation Blueprint™
Prepare your wealth for the day your business changes hands.
A successful transition begins long before a buyer appears. The Owner Wealth Navigation Blueprint™ is Design Financial Group’s educational financial planning framework for organizing what you need from a sale with succession choices, personal wealth, retirement income, risk management, and life after ownership. It is not software, a financial product, or a guarantee of results.
The Owner Wealth Navigation Blueprint™ is not affiliated with OneAmerica Securities or the companies of OneAmerica Financial®.
What we can review
Bring the pieces into one conversation.
Direct answers
Start with the question you asked.
How much do I need from the sale to retire?+
Start with the annual spending your other income and assets will not cover, then estimate the after tax proceeds needed to support that gap. Allow for transaction costs, debt, taxes, timing, and uncertainty.
Should I sell to family, employees, or an outside buyer?+
Compare each path by price, timing, taxes, financing certainty, leadership continuity, and the legacy you want to preserve. The highest headline offer is not always the strongest after tax or most workable outcome.
Could an Employee Stock Ownership Plan (ESOP) fit my company?+
An Employee Stock Ownership Plan (ESOP) may fit a profitable company with sufficient cash flow, management depth, and an owner who values employee ownership. Feasibility, valuation, financing, administration, and diversification needs require an in-depth review.
How do I reduce dependence on the business?+
Build personal liquidity outside the company, strengthen transferable management and systems, address owner dependent revenue, and connect likely sale value to your retirement plan well before an exit.
Your next step