For Your Business
Protect. Grow. Exit. — Comprehensive planning for business owners.
Building a business is one of the most ambitious and rewarding things a person can do. It requires sacrifice, vision, and risk — often over many years. And yet for most business owners, the financial planning that should support that work — protecting the business, maximizing its value, and planning a successful exit — is left to chance or addressed too late.
At Altenbach Wealth Management, we specialize in working with business owners at every stage: from protecting what you've built today, to growing enterprise value, to planning an exit that funds the next chapter of your life on your terms.
Andrew holds the Certified Exit Planner (CExP™) designation
• The CExP™ is awarded by the Business Enterprise Institute — one of the most respected credentials in business exit planning.
• It represents advanced training in exit strategy design, business valuation, ownership transfer structures, and the alignment of personal and business financial goals.
• Most financial advisors are not trained in exit planning. Andrew is.
Protect — Safeguard What You've Built
Business owners face risks that employees do not. The unexpected loss of a key person, a dispute between partners, or the owner's own disability can threaten a business that took decades to build. Protecting your business starts with identifying those risks — and putting the right structures in place before they become crises.
Business Protection Strategies
• Key person life and disability insurance
• Buy-sell agreement funding and review
• Business overhead expense (BOE) protection
• Income protection for highly compensated owners
• Business risk evaluation and gap analysis
Why It Matters
• A key person's death or disability can threaten revenue, banking relationships, and business continuity
• Buy-sell agreements without funding are unenforceable in practice
• BOE insurance keeps the business operating during an owner's extended absence
• Owner income is often unprotected compared to employee disability coverage
Grow — Build Value for Owners and Employees
A thriving business should do more than generate revenue — it should build transferable value and create financial security for its owners and key people. Strategic planning around retirement benefits, executive compensation, and employee incentives makes a business more valuable and harder to leave.
Business Growth Strategies
• Qualified retirement plan design and analysis (SEP IRA, SIMPLE, Solo 401k, Defined Benefit)
• Executive and key-person compensation planning
• Deferred compensation arrangements
• Employee benefits strategy and design
Financial Wellness educational workshops for employees
Exit — Leave on Your Terms
For most business owners, the business is their largest asset — and their exit is the most important financial event of their life. Yet fewer than 30% of business owners have a formal exit plan. The result is often a rushed sale, an undervalued business, and a retirement that doesn't match the vision.
We work with business owners to build exit strategies that are designed years in advance — so that when the time comes, you are in control of the outcome.
Why It Matters
• The right retirement plan structure can generate significant tax savings for the owner
• Executive comp and deferred comp plans help retain your most important people
• A well-designed benefits package increases enterprise value at exit
Financial wellness programs improve employee productivity and loyalty
The Exit Planning Process
• Step 1 — Clarify your goals: When do you want to exit? To whom do you want to sell? For how much? What comes next?
• Step 2 — Assess business value: Understand what your business is worth today and what drives that value.
• Step 3 — Close the gap: Identify and implement strategies to increase value and reduce risk before exit.
• Step 4 — Choose your exit path: Third-party sale, ESOP, management buyout, family transfer, or liquidation.
• Step 5 — Execute: Coordinate the legal, financial, and operational elements of the transition.
• Step 6 — Plan what's next: Ensure your personal financial plan supports the life you want after the business.
How our team brings value to you and the steps involved in building a successful exit strategy - Download PDF
Ready to protect, grow, and plan for your business?