You've Built a Successful Business.
When Does Work Become Optional?
We have a specific process to help you answer that question.
Your Lifestyle Determines Your Number
Before we look at your investments or talk about returns, we start with a simple question:
How much money do you need coming in each month?
01
Monthly Living Expenses
We start by understanding what your lifestyle actually costs.
02
Fixed Income Sources
Subtract Social Security, pensions, and other reliable income.
03
Portfolio Withdrawals
Determine how much your investments need to provide.
04
Stress Testing
Test the plan against market declines and different scenarios.
Finding Your Work Optional Number
You've Built the Wealth. Now Let It Support You.
Let’s turn everything you’ve spent years building into the freedom
to work because you want to, not because you have to.
Common Questions About Making Work Optional
There isn’t one “magic number” that works for everyone. Only the number that works for you.
We start by understanding how much money you need each month to support your lifestyle. Then we subtract income sources like Social Security or pensions to determine what your investments need to provide.
From there, we can estimate how much you need in liquid investments and stress-test the plan to see how it holds up under different market conditions.
There’s a big difference between what your business is worth and how much money you actually have available to support your lifestyle.
We need to understand how much income your business generates, whether that income continues when you step away, and what other investments or assets you have.
From there, we can determine what needs to happen for work to become optional. Whether that means selling your business, stepping back from day-to-day operations, or continuing to build your personal investments.
Stress testing is how we see whether your financial plan can hold up when things don’t go as expected.
What happens if the market drops 20% right after you stop working? What if your expenses increase? Or you live longer than anticipated?
We run the plan through different scenarios to understand how those events could affect your ability to maintain your lifestyle.
The goal isn’t to predict the future. It’s to make sure your plan isn’t relying on everything going perfectly.
The earlier, the better. But if you’re planning to step away from your business in the next five years, having a financial plan is a must.
You want to know where you stand while there’s still time to make adjustments. Whether that means building up investments outside your business, managing taxes, or changing how much you’re saving.
The last thing you want is to reach the point where you’re ready to stop working, only to find out the numbers don’t work.