Aug 26 • General discussion
“Sell Your Business & Get Paid Like a Pension: Annuity‑Based Acquisitions Explained (Retirement‑Ready Strategy)"
Are you a tired or retirement‑edged business owner who's poured decades into building something great—and now wants security, not chaos? Let’s talk about transforming your business sale into a pension‑for‑life.
In this video, I’ll walk you through:
Why traditional lump‑sum sales fail
Brokers cut your profit. Buyers stall or renegotiate. Banks bog things down. One cheque and poof—uncertainty, tax headaches, and no peace.
What an annuity‑based sale model actually is
You receive predictable, fixed (or even variable) monthly payments instead of a single payout. It’s structured, reliable, and tailored—designed for retirement, not risk.
Powerful benefits for you as the seller:
Keeps your income flowing—like a pension, remembering your work month after month
Reduces tax shocks—defers and dials down tax liabilities
Shields against one‑off windfalls turning to dust
Smoothes estate and legacy planning, helping you stay in control
Core deal structures, demystified:
Structured settlement backed by annuity—the buyer funds monthly payments through an insurance‑issued annuity secured from day one https://lnkd.in/eUGGvNa2
Private annuity arrangement—you transfer ownership in return for lifetime income, often with favorable tax treatment and flexibility FasterCapital
Key legal, financial & emotional considerations:
Fair‑market valuation and IRS tables determine payments (especially for private annuities)—seek professional guidance GallagherFasterCapital+1
Buyer credit or default risk—ensure security via annuity insurance or guarantees https://lnkd.in/eUvAUyQa
Estate planning impact—this structure can reduce your taxable estate while securing ongoing income FasterCapital
Who should seriously consider this?
Owners aged 60+, worn out from endless brokerage games, wanting peace more than the highest lump sum
Anyone needing reliable post-sale income without risking principal
Sellers eager to leave a legacy, protect family, and avoid financial surprises
Step-by-step exit path you'll see explained in the video:
Assess business value and decide on annuity model
Structure deal—terms, schedule, insurance or guarantees
Legal & tax wrap-up—ensure IR tables, deferral strategies, estate planning are sorted
Sign, settle into retirement with confidence
Common myths, debunked:
“Annuity means less money.” Actually, tax deferment + longevity benefit often nets more peace and security.
“Buyer control means risk.” You can secure terms that protect income regardless of buyer actions.
See real-world cases showing how this strategy kept sellers earning, worry-free, post-business.
Ready to turn your business into a private pension?
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“Sell Your Business & Get Paid Like a Pension: Annuity‑Based Acquisitions Explained (Retirement‑Ready Strategy)"
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