Business Owners & Executives
You might be here if…
- Complexity: Things are going well, but money decisions feel more complex than they used to.
- Exit Planning: You’re thinking about selling, taking chips off the table, or bringing on a partner.
- Liquidity Event: You’ve had a liquidity event (or one is on the horizon) and you’re asking, “What now?”
- Your Business is your Net Worth: Your net worth is tied up in the business, and you want a plan that reduces risk without losing momentum.
- Operator to Investor: You’re shifting from operator to investor and want a clear strategy for the long run.
- Legacy Planning: You want your success to create opportunities for your family, not stress or uncertainty.
How we help Founders and Business Owners
Did you know that nearly 80% of a business owner’s wealth is often tied directly to their business? Successfully transitioning that value into a personal financial plan requires thoughtful strategy and careful coordination.
We’re here to serve as a steady partner through both the high-stakes decisions and the everyday moments along the journey.
Our goal is to help you create clarity with a personalized, living financial plan designed to evolve alongside your business and your life. Together, we’ll help simplify the complexities that come with entrepreneurship, so you can move forward with greater confidence and purpose.
Liquidity Events (before and after)
When a sale, recapitalization, or transition is on the table, we help you think through the decisions that affect your life the most, especially what you keep after taxes and what you do next.
Support includes:
- Planning ahead of a liquidity event (before decisions are locked in).
- Coordination with your CPA and attorney so everyone’s aligned.
- Post Sale liquidity plan for cash flow, investing, and next steps.
- Plan for what’s next by turning “a big check” into a strategy.
Growth and Complexity
As the business grows, your personal finances need a stronger foundation. We help you put structure around success.
Support includes:
- Cash flow planning and building financial “infrastructure”.
- Risk management and protection planning (so one surprise doesn’t undo years of work).
- Long-term planning that keeps pace with growth.
Transitions and the Next Chapter
Transitions are not just financial, they are personal. We help you plan for what’s next with confidence.
Support includes:
- Succession planning support and ownership changes.
- Lifestyle Planning for lifestyle and income after stepping back.
- Income – Helping you move from business income to portfolio income over time.
From Operating a Business to Building Multi-Generational wealth
Eventually, the goal shifts from building the company to building the legacy.
Support includes:
- Diversification and investment strategy aligned to your real timeline.
- Estate planning coordination (working alongside your attorney).
- Philanthropic goals through values-based giving and planning for impact.
- A clear plan for the opportunities your wealth can create.
How We Work
Start with your story and what’s in front of you
We learn what you’re building, what you’re worried about, and what decisions are coming.
Create a clear, coordinated plan
We bring structure across investments, taxes (in coordination with your CPA), protection planning, and long-term goals.
Stay in your corner as life changes
We help you adjust the plan as the business evolves, opportunities show up, and your priorities shift.
You Don’t Have to Figure This Out Alone.
Whether you’re growing fast, considering a transition, or preparing for a liquidity event, we’ll help you turn complexity into a plan and move forward with confidence.
Rankings and Awards
We are honored to have earned the recognition or acclaim of many of the leaders in our industry.
Questions Worth Asking
The answers that shape the retirement you actually want — not the one you settle for.
Many business owners begin planning too late. Ideally, exit planning should start several years before a transition to help maximize business value, improve readiness, and create more flexibility around timing and options. It’s equally important for business owners to spend time on the personal side of their exit.
Consider what you truly want to do after a successful sale: Will you start another business, pursue hobbies, travel, or invest more time with loved ones? Having a clear personal plan—beyond simply saying “retired”—is crucial to minimizing regret after selling your business or deciding on the right timing to exit. Many business owners find that without a personal vision, they may regret their decision to sell or the timing of their exit.
Disclosure: Destiny Wealth Partners and its advisors do not provide legal or tax advice. Individuals should consult with qualified tax or legal professionals regarding their specific circumstances. Social Security claiming strategies should be based on individual needs and objectives.
Common exit strategies may include selling to a third party, such as a private equity firm or an individual buyer; transferring ownership to family members; management buyouts; employee stock ownership plans (ESOPs); mergers; or gradual transitions. The right strategy depends on your personal, financial, and business goals.
When planning an exit, many business owners focus primarily on the total sale price. While price is important, it is just one aspect of the broader picture. Deal terms, the impact on employees, and the business’s legacy can be equally significant. It’s essential for owners to start with the end in mind—considering what the business should look like after the sale, even two or three years down the road. This perspective helps identify buyers whose vision and values align with yours. If maintaining your legacy or protecting employees matters to you, these priorities should guide your planning and negotiations. Conversely, if those elements are not a concern, then the highest walk-away price might be your main objective.
Disclosure: This information is provided for educational purposes only and should not be construed as legal, tax, or investment advice. Consult your professional advisors before making any decisions.
Many business owners focus primarily on the total sale price, but it’s critical to consider the entire deal structure and the resulting after-tax proceeds. Deal terms—such as payment timing, earn-outs, or equity rollovers—can significantly impact what you and your family ultimately receive.
Engaging experienced tax consultants and legal professionals early in the process can help maximize your total net proceeds, preserving wealth for your family and supporting any philanthropic goals you may have. The right planning ensures you understand the true value of your transaction, not just the headline price.
Disclosure: This information is provided for educational purposes only and should not be construed as legal, tax, or investment advice. Consult your professional advisors before making any decisions.
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