{"id":24376,"date":"2025-07-25T14:46:21","date_gmt":"2025-07-25T19:46:21","guid":{"rendered":"https:\/\/dsb-rockisland.com\/wealth-management-and-planning\/?p=24376"},"modified":"2025-07-30T10:05:41","modified_gmt":"2025-07-30T15:05:41","slug":"how-much-do-you-need-from-the-sale-of-your-business-to-retire-comfortably","status":"publish","type":"post","link":"https:\/\/dsb-rockisland.com\/wealth-management-and-planning\/retirement-planning\/how-much-do-you-need-from-the-sale-of-your-business-to-retire-comfortably\/","title":{"rendered":"How Much Do You Need from the Sale of Your Business to Retire Comfortably?\u00a0"},"content":{"rendered":"<style>.wp-block-kadence-advancedheading.kt-adv-heading24376_76e726-76, .wp-block-kadence-advancedheading.kt-adv-heading24376_76e726-76[data-kb-block=\"kb-adv-heading24376_76e726-76\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading24376_76e726-76 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading24376_76e726-76[data-kb-block=\"kb-adv-heading24376_76e726-76\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading24376_76e726-76 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading24376_76e726-76[data-kb-block=\"kb-adv-heading24376_76e726-76\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading24376_76e726-76 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading24376_76e726-76\"><strong>Your Business, Your Retirement Nest Egg<\/strong>&nbsp;<\/h2>\n\n\n\n<p>For many business owners, your company isn\u2019t just your livelihood\u2014it <em>is<\/em> your retirement plan. You&#8217;ve spent years, maybe decades, building it. It\u2019s been your source of income, your biggest investment, and in many cases, your legacy. But when it comes time to step away, will the sale of your business be enough to fund the next phase of your life?&nbsp;<\/p>\n\n\n\n<p>We\u2019ll help you start thinking about your number\u2014the amount you\u2019ll need from the sale of your business to confidently support the lifestyle you envision in retirement.&nbsp;<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading24376_ce4dc5-d5, .wp-block-kadence-advancedheading.kt-adv-heading24376_ce4dc5-d5[data-kb-block=\"kb-adv-heading24376_ce4dc5-d5\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading24376_ce4dc5-d5 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading24376_ce4dc5-d5[data-kb-block=\"kb-adv-heading24376_ce4dc5-d5\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading24376_ce4dc5-d5 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading24376_ce4dc5-d5[data-kb-block=\"kb-adv-heading24376_ce4dc5-d5\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading24376_ce4dc5-d5 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading24376_ce4dc5-d5\"><strong>Why You Need a Number\u2014And Why It\u2019s Different for Every Owner<\/strong>&nbsp;<\/h2>\n\n\n\n<p>When it comes to retirement planning, there\u2019s no universal target. One owner might dream of retiring to a quiet lake home, while another hopes to travel the world or fund generational wealth for their family. That\u2019s why <strong>knowing how much money you need from your business sale to retire<\/strong> requires careful, individualized planning.&nbsp;<\/p>\n\n\n\n<p>Your \u201cnumber\u201d depends on several personal factors:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your desired retirement age&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your post-retirement lifestyle and goals&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Family obligations (education, caregiving, legacy planning)&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your location and cost of living&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Any existing retirement savings or outside income streams&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Common oversights can seriously impact your planning. Many owners forget to account for:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Taxes<\/strong> on the sale of the business&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Rising healthcare costs<\/strong> in retirement&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Longevity risk<\/strong>\u2014you might live (and spend) longer than you think&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Failing to calculate accurately could mean running out of money too soon\u2014or working longer than you\u2019d like.&nbsp;<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading24376_a765d7-cc, .wp-block-kadence-advancedheading.kt-adv-heading24376_a765d7-cc[data-kb-block=\"kb-adv-heading24376_a765d7-cc\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading24376_a765d7-cc mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading24376_a765d7-cc[data-kb-block=\"kb-adv-heading24376_a765d7-cc\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading24376_a765d7-cc img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading24376_a765d7-cc[data-kb-block=\"kb-adv-heading24376_a765d7-cc\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading24376_a765d7-cc wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading24376_a765d7-cc\"><strong>Understanding the True Value of Your Business<\/strong>&nbsp;<\/h2>\n\n\n\n<p>Here&#8217;s something most owners don\u2019t realize: <strong>your business may not be worth what you think it is.<\/strong>&nbsp;<\/p>\n\n\n\n<p>Here&#8217;s something most owners don\u2019t realize: <strong>your business may not be worth what you think it is.<\/strong>&nbsp;<\/p>\n\n\n\n<p>That\u2019s why receiving a formal<strong> <\/strong>business valuation from an accounting or specialized valuation firm is one of the most important steps in retirement planning. Several key factors affect the value of your business:&nbsp;&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Earnings<\/strong> (especially EBITDA\u2014earnings before interest, taxes, depreciation, and amortization)&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Industry trends and market conditions<\/strong>&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Customer diversity and recurring revenue<\/strong>&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Your role in the business<\/strong> (if you\u2019re too central, that can lower value)&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Business structure and financial documentation<\/strong>&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Understanding what your business could realistically sell for\u2014today or five years from now\u2014is essential to calculating whether it will support your retirement plans.&nbsp;<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading24376_0bc327-1b, .wp-block-kadence-advancedheading.kt-adv-heading24376_0bc327-1b[data-kb-block=\"kb-adv-heading24376_0bc327-1b\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading24376_0bc327-1b mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading24376_0bc327-1b[data-kb-block=\"kb-adv-heading24376_0bc327-1b\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading24376_0bc327-1b img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading24376_0bc327-1b[data-kb-block=\"kb-adv-heading24376_0bc327-1b\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading24376_0bc327-1b wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading24376_0bc327-1b\"><strong>Aligning Your Exit Plan with Your Retirement Goals<\/strong>&nbsp;<\/h2>\n\n\n\n<p>Too often, business owners separate their exit plan from their retirement plan\u2014and that\u2019s a big mistake. Your exit strategy is one of the most powerful tools you have to shape your financial future.&nbsp;<\/p>\n\n\n\n<p>Timing matters. Exiting during a market downturn, rushing due to health issues, or selling because of burnout can all negatively affect your outcome.&nbsp;<\/p>\n\n\n\n<p>Let\u2019s look at two examples:&nbsp;<\/p>\n\n\n\n<p><strong>Owner A<\/strong> built a successful business but never planned an exit. At 65, burnout set in, and they accepted the first offer that came along\u2014one that didn\u2019t cover their post-retirement budget. They\u2019re now scaling back their lifestyle and working part-time.&nbsp;<\/p>\n\n\n\n<p><strong>Owner B<\/strong> started planning early. They had their business valued by a firm specializing in valuation services, worked with advisors to reduce taxes on the sale, and made a clean transition at 63\u2014retiring with confidence and the financial freedom to enjoy life on their terms.&nbsp;<\/p>\n\n\n\n<p>The difference? Planning.&nbsp;<\/p>\n\n\n\n<p class=\"has-small-font-size\"><em>Hypothetical examples are not representative of any specific scenario. Your results may vary.<\/em><\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading24376_c0de0a-14, .wp-block-kadence-advancedheading.kt-adv-heading24376_c0de0a-14[data-kb-block=\"kb-adv-heading24376_c0de0a-14\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading24376_c0de0a-14 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading24376_c0de0a-14[data-kb-block=\"kb-adv-heading24376_c0de0a-14\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading24376_c0de0a-14 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading24376_c0de0a-14[data-kb-block=\"kb-adv-heading24376_c0de0a-14\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading24376_c0de0a-14 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading24376_c0de0a-14\"><strong>How to Calculate Your Number<\/strong>&nbsp;<\/h2>\n\n\n\n<p>Now to the big question: <strong>how much money do you need from the sale of your business to retire?<\/strong> There\u2019s no magic number\u2014but there is a process.&nbsp;<\/p>\n\n\n\n<p>Here are the major factors to consider:&nbsp;<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading24376_174866-50, .wp-block-kadence-advancedheading.kt-adv-heading24376_174866-50[data-kb-block=\"kb-adv-heading24376_174866-50\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading24376_174866-50 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading24376_174866-50[data-kb-block=\"kb-adv-heading24376_174866-50\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading24376_174866-50 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading24376_174866-50[data-kb-block=\"kb-adv-heading24376_174866-50\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading24376_174866-50 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading24376_174866-50\"><strong>1. Retirement Budget<\/strong>&nbsp;<\/h3>\n\n\n\n<p>Start with your desired lifestyle: travel, hobbies, housing, healthcare, and more. Don\u2019t forget to account for inflation and potential long-term care needs.&nbsp;<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading24376_8ec723-f4, .wp-block-kadence-advancedheading.kt-adv-heading24376_8ec723-f4[data-kb-block=\"kb-adv-heading24376_8ec723-f4\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading24376_8ec723-f4 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading24376_8ec723-f4[data-kb-block=\"kb-adv-heading24376_8ec723-f4\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading24376_8ec723-f4 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading24376_8ec723-f4[data-kb-block=\"kb-adv-heading24376_8ec723-f4\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading24376_8ec723-f4 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading24376_8ec723-f4\"><strong>2. Other Income Sources<\/strong>&nbsp;<\/h3>\n\n\n\n<p>Do you have IRAs, a 401(k), rental properties, or other passive income? The more diversified your retirement income, the less pressure you\u2019ll place on your business sale.&nbsp;<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading24376_a7d09d-17, .wp-block-kadence-advancedheading.kt-adv-heading24376_a7d09d-17[data-kb-block=\"kb-adv-heading24376_a7d09d-17\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading24376_a7d09d-17 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading24376_a7d09d-17[data-kb-block=\"kb-adv-heading24376_a7d09d-17\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading24376_a7d09d-17 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading24376_a7d09d-17[data-kb-block=\"kb-adv-heading24376_a7d09d-17\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading24376_a7d09d-17 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading24376_a7d09d-17\"><strong>3. Retirement Age and Longevity<\/strong>&nbsp;<\/h3>\n\n\n\n<p>A 55-year-old retiring early may need their assets to last 30+ years. The later you plan to retire, the shorter the time your money needs to stretch\u2014but you&#8217;ll also need to weigh health and lifestyle desires.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. Taxes<\/strong>&nbsp;<\/h3>\n\n\n\n<p>The sale of a business often triggers capital gains taxes\u2014and in some cases, income taxes. Structuring the sale wisely (e.g., asset vs. stock sale) and planning with a CPA can make a big difference.&nbsp;<\/p>\n\n\n\n<p>Working with a <strong>financial advisor or wealth planner<\/strong> can help you model multiple scenarios and determine what size of sale will support your retirement needs.&nbsp;<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading24376_965ee3-88, .wp-block-kadence-advancedheading.kt-adv-heading24376_965ee3-88[data-kb-block=\"kb-adv-heading24376_965ee3-88\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading24376_965ee3-88 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading24376_965ee3-88[data-kb-block=\"kb-adv-heading24376_965ee3-88\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading24376_965ee3-88 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading24376_965ee3-88[data-kb-block=\"kb-adv-heading24376_965ee3-88\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading24376_965ee3-88 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading24376_965ee3-88\"><strong>The Bottom Line: Don\u2019t Wait Until You\u2019re Ready to Sell<\/strong>&nbsp;<\/h2>\n\n\n\n<p>Here\u2019s the truth: <strong>you don\u2019t need to be ready to sell today\u2014but you <\/strong><strong><em>do<\/em><\/strong><strong> need to know what you\u2019ll need tomorrow.<\/strong>&nbsp;<\/p>\n\n\n\n<p>Too many business owners wait until they\u2019re burned out, forced to sell, or facing health issues before they begin planning. That\u2019s when tough choices and regrets show up.&nbsp;<\/p>\n\n\n\n<p>But with proactive planning, you can:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Set and reach your financial goals&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Increase the value of your business over time&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Exit on your own terms&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Retire with clarity and peace of mind&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Are you on track to retire from the sale of your business?&nbsp;<\/p>\n\n\n\n<p>Whether retirement is around the corner or still a decade away, knowing <em>your number<\/em> is the first step toward a secure and fulfilling next chapter. &nbsp;<\/p>\n\n\n\n<p><strong><a href=\"https:\/\/dsb-rockisland.com\/contact-us\/\">Reach out today<\/a><\/strong> to start the conversation about your exit strategy and retirement plan. We help people figure out and work toward their number every day and are here to help you make smart, confident decisions.\u00a0<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Your Business, Your Retirement Nest Egg&nbsp; For many business owners, your company isn\u2019t just your livelihood\u2014it is your retirement plan. You&#8217;ve spent years, maybe decades, building it. It\u2019s been your source of income, your biggest investment, and in many cases, your legacy. But when it&#8230;<\/p>\n","protected":false},"author":27,"featured_media":24377,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[523,21,405],"tags":[],"class_list":["post-24376","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retirement-planning","category-wealth-management-planning","category-wealth-management-and-planning"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Selling Your Business, Your Retirement Nest Egg<\/title>\n<meta name=\"description\" content=\"Business owners will use the sale of their business to fund their retirement. 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