Owner's Guides
Plain-English education for owners thinking about the exit, what your business is worth, how sales really work, and what comes after.
How to Sell Your Business: The Complete Owner’s Guide
A plain-English walkthrough of selling a business: when to start, how value is estimated, cleaning up the books, who buys, deal structures, taxes, and planning what comes after.
Read the guide →What’s My Small Business Worth? The 5 Numbers Buyers Actually Look At
Revenue, earnings, customer concentration, owner dependence, and growth trend, the five numbers that drive what a buyer will pay for a small business.
Read the guide →SDE vs. EBITDA: The Two Letters That Change Your Sale Price
Seller’s discretionary earnings and EBITDA measure different things and carry different multiples. Which one applies to your business, and why it matters at sale time.
Read the guide →The 7 Value Killers Hiding in Your Books
Personal expenses, cash sales, messy add-backs, customer concentration, owner dependence, stale financials, and undocumented processes, and how long each takes to fix.
Read the guide →Asset Sale vs. Stock Sale: What It Means for What You Keep
The same headline price can leave very different amounts in the seller’s pocket depending on deal structure. A plain-English comparison of asset and stock sales.
Read the guide →You Sold Your Business. Now What? The First 90 Days With a Windfall
The transition from owner to investor: parking the proceeds, resisting big fast decisions, building an income plan, and finding the next chapter.
Read the guide →Retirement Income Basics: Turning Savings Into a Paycheck
A plain-English guide to retirement income planning: income sources, withdrawal rates, sequence-of-returns risk, bucket strategies, and tax coordination.
Read the guide →When to Claim Social Security: What Changes Between 62, Full Retirement Age, and 70
How claiming age changes your Social Security benefit, spousal and survivor effects, break-even thinking, work rules, and portfolio coordination, explained plainly.
Read the guide →Tax-Aware Investing Basics: Account Types and Asset Location
A plain-English guide to taxable, tax-deferred, and Roth accounts, asset location, tax-loss harvesting, capital gains, Roth conversions, and RMD basics.
Read the guide →Estate Planning Basics for Families and Business Owners
Plain-English estate planning guide: wills vs living trusts, probate, beneficiary designations, powers of attorney, intestacy, and business succession basics.
Read the guide →Divorce and Your Finances: A Calm, Practical Orientation
A calm, plain-English guide to the financial side of divorce: inventorying assets, community property in CA and NV, QDROs, the house decision, and rebuilding.
Read the guide →Retiring Before 65: Bridging the Healthcare Gap Until Medicare
Retiring before 65? Learn how COBRA, ACA marketplace plans, and spousal coverage can bridge the gap to Medicare, and why the cost belongs in your plan.
Read the guide →All guides are educational only and are not investment, legal, or tax advice. Pacific Point Wealth Management, LLC is a registered investment adviser.
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