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Business Planning

Your exit, your terms.

For most business owners, their business is their largest asset. Yet many have no plan for what happens when they want to step away.

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Why It Matters

Why succession planning matters

Succession planning isn't just about retirement. It covers any scenario where you need to exit the business.

Maximize Value

A business with a clear succession path is worth more than one dependent on its owner.

Protect Family

If something happens to you, a plan ensures your family isn't left scrambling.

Retain Key People

Key employees stay when they see a future. Uncertainty drives talent away.

Exit on Your Terms

Planning gives you options. Without it, you take what you can get when you need to leave.

Your Options

Common succession paths

Each path has advantages and considerations. The right choice depends on your circumstances.

Sell to an Outside Buyer

Advantages
  • + Full cash exit possible
  • + Clean break from business
  • + Market determines value
Considerations
  • - Finding buyer takes time
  • - Due diligence intensive
  • - Relationships may change

Family Succession

Advantages
  • + Business stays in family
  • + Gradual transition possible
  • + Legacy preserved
Considerations
  • - Family dynamics complex
  • - Not all may be capable
  • - Fairness to other children

Employee/Management Buyout

Advantages
  • + Buyers know the business
  • + Continuity for customers
  • + Motivated successors
Considerations
  • - Employees may lack capital
  • - Financing can be complex
  • - May require earn-out

Gradual Wind-Down

Advantages
  • + Simple to execute
  • + No buyer needed
  • + Flexibility on timing
Considerations
  • - May not maximize value
  • - Commitments need managing
  • - Staff implications
Building Your Plan

Key elements of a succession plan

A comprehensive succession plan addresses these core elements. Each requires time and careful consideration.

1

Business Valuation

Understanding what your business is worth gives you a baseline for negotiations and financial planning.

2

Documentation Review

Shareholders agreements, employment contracts, leases, and key contracts all affect succession options.

3

Identifying Successors

Whether family, employees, or external buyers, identifying and developing potential successors takes time.

4

Tax Planning

The structure of a sale or transfer can significantly affect your net outcome. Plan early.

5

Timeline

Most business sales take 1-3 years from start to completion. Build in buffer for the unexpected.

When to Start Planning

The best time to start succession planning is years before you need it. Five to ten years is ideal for a significant business.

5-10 years
Ideal starting point

Time to develop successors, optimize for sale, address structural issues.

3-5 years
Still workable

Focused effort required. Some options may be limited.

1-2 years
Reactive mode

Options limited. May need to accept less than optimal outcomes.

Don't wait for a trigger

Health issues, burnout, or attractive offers often force decisions. By then, options are limited. Planning in advance gives you control.

Key Takeaways

Your business is likely your largest asset - plan for its transition

Succession planning covers sale, family transfer, or wind-down

Start planning 5-10 years before you want to exit

Get your documentation in order - it affects your options

Tax planning early can significantly affect your outcome

Related Guide

Navigate a business sale or acquisition from start to finish.

Read the M&A Guide

Plan your exit on your terms.

A good succession plan protects the value you've built and ensures a smooth transition. We can help you explore your options and build a plan that works for you.

Or call us on 06 835 7394

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