The best time to plan for a business transition is before the sale is on the table.

Many business owners spend years building value inside the company. Then, as retirement gets closer, the questions become more personal. What is the business worth? How much will you keep after tax? What will income look like after the sale? How do you turn business wealth into personal wealth?

Our Belleville and Prince Edward County wealth planning team provides financial advice for business owners who may be within five years of selling, transitioning or stepping back.

A writing down on his paper while working on his laptop

Preparing before the cheque arrives

A business sale can create opportunity, but it can also create complexity—for you.

As a business financial advisor team, we help owners think through important planning areas before a transition happens, including:

  • Retirement income after the business
  • Tax-efficient exit planning
  • Corporate assets and retained earnings
  • Insurance and risk planning
  • Estate and family wealth goals
  • How sale proceeds may be invested

Turning business wealth into personal wealth

For many owners, the business is the largest asset they have.

Selling the company is one major decision. The larger planning work is making sure the value you created can support your next stage of life.

We help connect the sale or transition with your broader financial plan, so your investments, tax strategy, income needs and estate goals work together.

Advice for local business owners

We provide financial advice for small business owners across Belleville, Picton, Wellington, Trenton and the Bay of Quinte.

This includes contractors, construction-related companies, landscaping businesses, bin rental companies, technical professionals, engineering firm owners and other successful local operators.

As a small business financial advisor team, we understand that local businesses are often deeply tied to family, employees, community and identity.

Planning for family or third-party transition

Some owners plan to sell to an outside buyer. Others want to transition the business to children, relatives, employees or partners.

We help business owners consider:

  • Timing of the transition
  • Family succession goals
  • Income needs after stepping back
  • Tax planning before and after sale
  • Estate implications
  • How to protect a spouse or family
Generations of carpenters in their family business workshop

Plain-language guidance

Business transitions can involve technical advice, but the conversation should still feel clear.

As a financial advisor for entrepreneurs and business owners, we take time to explain your options in practical language in order to help you understand the decisions ahead.

IG Private Company Advisory

IG Private Company Advisory provides strategic transaction and advisory services to mid-market businesses (that is, those with annual sales of between $20 million and $500 million), with the goal of generating opportunities and enhancing long-term value. The Private Company Advisory team leverages an extensive network to connect you with capital providers, investors and potential buyers who are aligned with your business’s specific needs and circumstances.

Hear from David Turnbull, Head of IG Private Company Advisory, about IG’s approach to helping you maximize the value of your business.

 

Discover how IG Private Company Advisory can help unlock your company's potential through its three core services:

  • Selling or acquiring a business

    Sourcing and evaluating potential buyers or acquisition targets for your business can be complicated. The Private Company Advisory team provides expertise and guidance to help you take advantage of growth opportunities and realize maximum value.

    Services include:

    • Deal sourcing
    • Valuation and negotiation
    • Due diligence
    • Partial divestiture strategy
  • Strategic advisory

    Benefit from the team’s deep industry knowledge and strategic insights to make informed decisions on crucial matters.

    Services include:

    • Market entry strategy
    • Expansion strategy
    • Restructuring and turnaround
    • Succession planning
  • Raising capital

    The team will guide you through the process of obtaining capital to grow your business on terms that suit your specific situation.

    Services include:

    • Debt financing
    • Equity financing
    • Mezzanine financing
    • Alternative funding sources
    • Working capital solutions