Partnering with WiseInvest®: Elevating the Exit Strategy for Your Business Owner Clients
As an M&A advisor, your expertise lies in maximizing the value of a business transaction. At WiseInvest®, we complement that process by helping your clients build a financial strategy before, during, and after the deal. From reducing tax exposure to structuring insurance and wealth plans around their liquidity event, we ensure that your business owner clients exit confidently—and with their financial future in order.
How We Help Your Clients
We collaborate closely with M&A advisors to identify each client’s financial blind spots and build a custom financial plan that aligns with their exit timeline and post-sale goals.
Pre-Transaction Financial Planning
- Structure personal and corporate assets to optimize the transaction outcome
- Set up tax-advantaged investment vehicles before liquidity events
- Implement flow-through shares or corporate strategies to reduce final-year taxes
Insurance-Based Planning for Tax & Liquidity
- Use life insurance to fund capital gains tax or future estate obligations
- Establish Capital Dividend Accounts to extract funds tax-free
- Fund buy-sell agreements to support shareholder transitions
Post-Sale Wealth Planning
- Design income strategies to replace business cash flow
- Invest proceeds tax-efficiently across registered and non-registered accounts
- Create long-term financial independence plans based on lifestyle goals
Unlocking Hidden Value Through Legacy Insurance
Many business owners cancel key person or buy-sell insurance policies once a sale is in motion—believing they no longer have value. In reality, these policies can be donated to a registered charity, creating:
- Significant tax credits during a high-income year (the year of sale)
- A lasting philanthropic impact aligned with the client’s legacy
- A financial win from an asset that would otherwise be discarded
We help clients review these policies, assess donation potential, and facilitate the process seamlessly in partnership with their legal and tax advisors.
Succession and Family Wealth Transfer
- Ensure personal and family planning aligns with sale proceeds
- Help clients pass wealth to heirs or donate strategically
- Coordinate with estate and legal professionals for smooth execution
Trust Planning to Maximize Value Before and After the Sale
Trust planning isn’t just about wealth preservation—it can directly impact how much your client keeps at the time of sale. At WiseInvest®, we help business owners explore trust strategies before the transaction, including structures that may allow them to multiply access to the Lifetime Capital Gains Exemption (LCGE) through family trusts or spouse/common-law partners.
- Because we understand their business, family dynamics, and long-term goals, we guide clients toward smart, strategic trust planning that supports the outcome of the deal—not just what happens after.
- Evaluate if a family trust structure could multiply LCGE prior to a business sale
- Plan trust structures that align with personal, family, and succession goals
- Avoid post-sale regret by preparing early, not reactively
- Collaborate with legal and tax teams to implement only when truly beneficial
- Most clients don’t even know this is an option—we help them ask the right questions early enough to make a difference.
Personal and Family Financial Planning
- Protect wealth with life, disability, and critical illness insurance
- Manage risk while reallocating investments post-exit
- Align lifestyle spending with long-term planning and retirement income
How You Benefit as an M&A Partner:
- Enhance your value by offering clients a financial team that works in lockstep with the deal
- Keep your clients focused on the transaction while we manage the personal financial side
- Help clients turn overlooked policies into tax credits and impact
When to Refer a Client to Us:
- They’re preparing to sell or exit their business within 1–5 years
- They haven’t considered the tax or insurance implications of a liquidity event
- They have old buy/sell or key person insurance that could be repurposed
- They lack a personal financial plan to support life after the sale
- They want to explore charitable giving, intergenerational wealth, or estate planning
- They’re transitioning from operator to financially independent entrepreneur
Let’s Make It Easy
Once we establish a partnership, we’ll issue secure login credentials for your team. From there, you can refer business owner clients through our website—at any stage of the transaction. We’ll align our support with the deal timeline and protect your client relationships every step of the way.