- BeforeDecide what you want from the saleStructure, clarify and document your objectives before the transaction.
- DuringCoordinate before signingBring the advisers handling the transaction into the discussion.
- AfterPut the proceeds to work for youSet aside what you need, review your investments and prepare how you want to pass on your wealth.
Business owners · Cash, holding company, business sale
Cash is building up in your business How could it support your plans?
Investing surplus cash, paying yourself, selling your business or protecting your family: each choice affects both your company and your personal life. I help you review your options with your usual advisers.
Diagnostic in 4 questions · Without contact information · Immediate result
Business capital
Personal wealth
Private advice · Your priorities first
You work for your business. What will it provide for your future?
- 01
Review business and personal finances together
Review cash, pay, debt and household needs before making your next decision.
- 02
Prepare for life after your business
Specify the resources needed for your projects, your standard of living and your loved ones after the business.
- 03
Save time on financial decisions
Identify what needs your attention now and what to discuss with your usual advisers.
Planning a business sale or a distribution? Let's review the timing, available options and necessary checks before you commit.
Your situation
Where are you today? What is on your mind?
Choose the situation closest to yours to see the questions worth discussing.
Book a meeting directly01 My business has cash to investYour company may hold more cash than it needs for its day-to-day operations.
Points to be clarified
- The availability really necessary for exploitation.
- Planned projects and when they need funding.
- The surplus you can leave invested for longer.
- The level of risk compatible with each horizon.
Next step
Keep the cash your business needs available. Then consider what you can do with the surplus.
Analyze this situation02 I have a holding companyYou already have a holding company. Let's review what it is used for and how money moves between your companies and personal accounts.
Points to be clarified
- The current role of each society.
- Cash flows between the operating company, the holding company and your personal finances.
- Projects to which the capital must remain available.
- Coordination with your legal and accounting advisers.
03 I am preparing to sell my businesswealth decisions made prior to the transaction may change the options available after the transaction.
Points to be clarified
- The actual timing of your business sale.
- Professional and personal objectives after the operation.
- The need for liquidity and future income.
- The specialists to involve before signing.
Next step
Weigh the sale against your life plans before choosing a structure.
Analyze this situation04 I sold my businessYour business is sold. What income do you need, and what do you want to do with the proceeds?
Points to be clarified
- The liquidity to be kept in the short term.
- Projects to be financed in the coming years.
- The desired diversification and the risks to be reduced.
- Income, protection and wealth transfer to be arranged.
Next step
Divide capital by objectives and horizons before selecting solutions.
Analyze this situation05 I want to review how I pay myselfSalary, dividends, savings and protection affect both your business and your personal finances.
Points to be clarified
- The income needed in the home.
- Social protection associated with the current status.
- How much you can actually set aside.
- How the choices you are considering affect your personal finances.
06 I'm planning aheadPassing on your wealth, retiring or moving abroad? Start with the dates that matter.
Points to be clarified
- The horizon and stages of the project.
- The current dependence of the wealth on the enterprise.
- Future income and availability needs.
- The people and expertise to associate with the reflection.
Next step
Name the priority objective and order the decisions that make it possible.
Analyze this situationDecisions are linked
Taking money out of your business also changes your personal finances
Paying yourself a dividend, investing cash or selling shares can change your tax position, available cash and family protection. We review these effects together before you decide.
What changes when you make a decision?A choice for your company also affects you personally.
For example, a distribution gives you personal cash, but reduces the reserves available to your company.
What should you prepare first?Start with your needs and deadlines.
Your household income, planned projects and the sale date help us decide what needs attention first.
Who needs to be involved?Coordinate with your existing advisers.
Some decisions must be prepared before an operation or change is initiated.
Business cash Keep the cash you need available.
Business sale Prepare your finances before selling.
Remuneration Find the right balance between you and the company.
Holding company Understand how money moves between your companies.
Estate planning Decide who you want to provide for.
"It is the overall coherence that creates lasting value."
Business cash
Business cash: aim for a better return
Is your cash earning nothing, or locked up for a return you are no longer happy with? I help you explore how to earn more on your surplus while keeping the money your business and projects need available.
- Protecting your businessDealing with unforeseen events, without compromising your plans.
- Put your surplus cash to workCompare returns after fees, risks and withdrawal conditions.
Higher returns are not guaranteed. The risk of losing capital and access to your money depend on the investments chosen.
03 Long-term surplusSeek a better return on capital that the company does not need in the short term.
- Capital not required for exploitation
- Time horizon
- Risk
- Investment strategy to be defined
02 Reserves for emergencies and projectsBuild a reserve for unforeseen events and your development projects.
- Untimely
- Projects identified
- Room for manoeuvre
01 Operating cashPay for your company's day-to-day needs.
- Current needs
- Commitments
- Operation of the enterprise
Business sale
Thinking of selling your business? Let's plan what comes next too
Before selling, decide what you will need from the proceeds. After the sale, we help you review how to invest, draw an income and provide for your family.
After the sale
From your business to your personal wealth
What should your capital pay for, and when?
Once the company is transferred, the capital must be organized according to your projects, your horizons, your protection needs and your income goals.
- 01
Secure: liquidity, reserve, visibility.
- 02
Grow your investments: asset allocation, diversification and performance.
- 03
Generate income: supplements, distributions, lifestyle.
- 04
Protect/transmit: family, legal framework, succession.
Wealth planning questionnaire
Your situation
in 4 questions
To prepare our conversation,
with no score or automated recommendation.
- Get more from our conversation
You save time and we can focus on what matters to you.
- No supporting documents needed
An approximate answer is enough to prepare our conversation.
- Confidential, with no obligation
Your answers stay in this browser. They will not trigger sales calls or emails.
Step 1 / 4
- 1Your structure
- 2Your priority
- 3Approximate amount
- 4Your timeframe
Choose an answer to continue.
Your summary
Here is what we can discuss together
Based on your answers, these are the topics to discuss in relation to your business, personal finances and plans.
A starting point for our conversation, with no score or automated recommendation.
Your context
Points to be clarified
The next useful step
Spend 40 minutes with Gary Martins to discuss your priorities, the questions that need a closer look and your next steps.
Talk to Gary — 40 minHow we work
Are your advisers working towards the same goals?
As a business owner or shareholder, a distribution, a sale or changes to your holding company can affect your personal plans. We start with your timing, the resources you need to keep and your goals to identify what needs a closer look with your existing advisers. The initial meeting is neither an investment recommendation nor a tax review.
- 01Understand your needsReview your business, personal finances and plans together.
- 02ReviewIdentify the decisions that need attention and the trade-offs involved.
- 03PlanAgree on a plan and the order in which to act.
- 04CoordinateCoordinate implementation with the professionals involved.
One coordinated plan, with the specialists your situation requires.
Directly with Gary
Preparing for your next decision? Let's also discuss your personal finances
Selling your business, paying a dividend or planning a life change? Take 40 minutes to discuss what it means for your personal finances before you commit.
Confidential · No obligation · 40 minutes