{"id":2590,"date":"2025-01-08T11:00:46","date_gmt":"2025-01-08T16:00:46","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-us\/insightsbusiness-owner-what-s-your-retirement-plan\/"},"modified":"2025-01-08T13:44:20","modified_gmt":"2025-01-08T18:44:20","slug":"business-owner-what-s-your-retirement-plan","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/en-us\/insights\/business-owner-what-s-your-retirement-plan","title":{"rendered":"Business owner? What’s your retirement plan?"},"content":{"rendered":"\n

Many people, especially later in their career, count down the years, months or even days <\/span>before they retire. Business owners, however, are not like other people.<\/p>\n\n\n\n

Owners can be so focused on running their companies that they’re unable to consider retirement, let alone plan for it.<\/p>\n\n\n\n

RBC Wealth Management\u2019s 2024 Business Owner Client Survey found the majority of business owners are relatively unprepared to retire and\u00a0pass on their legacy: just a third reported having a documented transition plan.<\/p>\n\n\n\n

\u201cA lot of entrepreneurs share the same traits: they\u2019re driven. They never say no. They never quit\u2014those things that we all admire. But that can also leave them unprepared to deal with the inevitable,\u201d says Bill Ringham<\/a>, director of Private Wealth Strategies at RBC Wealth Management\u2013U.S. \u201cThe time will come where they will want to retire\u2014or have to.\u201d<\/p>\n\n\n\n

The problem arises when owners don\u2019t have a plan in place<\/a> to sell or transfer their business, including making sure they have enough money set aside for retirement. That could result in working longer or living more frugally in retirement than they had hoped.<\/p>\n\n\n\n

\u201cDoing nothing isn\u2019t a solution\u2014it\u2019s the worst thing you can do,\u201d Ringham says.<\/p>\n\n\n\n

For most owners, the business is their biggest asset, so planning is critical, says Dean Deutz, a private wealth consultant at RBC Wealth Management\u2013U.S.<\/p>\n\n\n\n

\u201cMany know they need to do something, but sometimes it’s hard to decide what they want to do and then even harder to pull the trigger,” Deutz says. \u201cThe business is like their baby and, in many cases, it’s their first child.”<\/p>\n\n\n\n

Getting ready for retirement<\/h2>\n\n\n\n

To help owners get ready for eventual retirement, Ringham suggests they approach the wealth planning process as though it were a business project they need to tackle.<\/p>\n\n\n\n

\u201cVery few entrepreneurs got where they are from pure creativity. It\u2019s usually through drive and discipline, so it works best if you give them something to work on,\u201d he says.<\/p>\n\n\n\n

That starts with figuring out how much money they will need for retirement, and\u00a0how they plan to fund it<\/a>. \u201cYou need an ironclad understanding of what your lifestyle actually costs today, tomorrow and during retirement before a business succession plan can be structured,\u201d he says.<\/p>\n\n\n\n

Another key element is knowing how much their business is worth\u2014especially for owners who intend to fund their retirement through the sale of their business. Yet, according to the RBC Wealth Management survey, 41 percent of owners haven\u2019t completed any type of business valuation.<\/p>\n\n\n\n

\u201cThese calculations are crucial to creating an effective transition plan,\u201d Deutz says. \u201cFor example, they can show an owner whether selling their business will be enough to sustain their retirement lifestyle, or if they\u2019ll need to allocate funds from elsewhere to bridge the gap.\u201d<\/p>\n\n\n\n

When it’s time to walk away<\/h2>\n\n\n\n

Deutz knows a few business owners who are still working in their 70s; some by choice, others by necessity.<\/p>\n\n\n\n

\u201cA lot of them do it because they love it, but you do see some working well beyond retirement age because they have to,” he says. \u201cFor whatever reason they don’t have enough money to retire.”<\/p>\n\n\n\n

Those reasons could be overspending, but more often it is an unplanned event\u2014such as a divorce<\/a> or being forced to buy out a business partner\u2014that has kept them in the business longer than anticipated.<\/p>\n\n\n\n

When the time comes to retire, owners need to figure out the best way to transition. The choices usually include\u00a0selling the business<\/a>, winding it down or transferring it to the next generation, depending on the type of enterprise and how it\u2019s doing. For instance, a doctor or lawyer may simply close up shop, while a retailer might sell his or her operations.<\/p>\n\n\n\n

Some owners may transfer the business to a family member, which can sometimes be complicated, especially if they have multiple children and not all are interested in carrying on the family legacy.<\/p>\n\n\n\n

\u201cSometimes it’s very obvious that the kids are involved and are going to be the best possible next generation for management,” Deutz says. \u201cFrequently though, we’ll see one or two of the children involved in the business and others not at all. Then, of course, you need to figure out how to make an equitable transfer of the business and the overall estate.”<\/p>\n\n\n\n

In other cases, the children will have their own careers and aren’t interested in taking over the family business<\/a>. That’s something owners need to figure out well in advance of retiring.<\/p>\n\n\n\n

\u201cYou need to ask them sooner, rather than later, if they want it,” Ringham says.<\/p>\n\n\n\n

For owners who are transferring the business to the next generation, Ringham recommends giving them roughly a 10-year head start to learn the ropes\u2014and time to make a few mistakes.<\/p>\n\n\n\n

\u201cThey have to be allowed to succeed and fail. They have to grow. You can’t just hand over a company to someone who hasn’t earned that right, that capability,” he says.<\/p>\n\n\n\n

\u201cIt takes a really long time. That is what everyone fails to comprehend\u2014how long it can take to transition a business.”<\/p>\n\n\n\n

Call in the experts<\/h2>\n\n\n\n

Most owners receive advice in isolated silos from people who have their best interest in mind\u2014financial advisors, accountants, lawyers, etc. The problem, Ringham says, is when those experts do not talk to each other.<\/p>\n\n\n\n

\u201cThey need to work together to build a plan that integrates business valuation, tax and legal implications, and a plan for after the sale or transition,\u201d he says.<\/p>\n\n\n\n

With retirement planning, Ringham recommends owners start working with their financial advisor, who can do a detailed cash flow and asset analysis, and then bring in their accountants, bankers and attorneys to ensure all tax, banking and legal matters are considered.<\/p>\n\n\n\n

\u201cNo one person can do it alone. You have to have a team of people around you who can help you plan for the future,\u201d Ringham says. \u201cYou cannot work forever at this level, so how do you replace the cash flow you need for your lifestyle when you are no longer able to get that through your business?\u201d<\/p>\n\n\n\n

Adds Ringham: \u201cYou have to put as much energy into the succession of the business as you do in the building of it. That\u2019s an odd concept for a lot of business owners.\u201d<\/p>\n\n\n\n

Article updated in Jan. 2025<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Stepping back from your business requires as much hard work and planning as it took to build it. <\/p>\n","protected":false},"author":22,"featured_media":2592,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rbcwm_post_date":"","editor_notices":[],"rbc_url_alias":"","rbcwm_featured_desktop_image_position":"","rbcwm_featured_mobile_image_position":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[81],"tags":[],"rbcwm_content_owner":[],"rbcwm_need":[],"rbcwm_segment":[467,460],"rbcwm_solution":[],"rbcwm_topic":[470,464],"rbcwm_channel":[],"rbcwm_format":[],"class_list":["post-2590","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-your-business","rbcwm_segment-business-owners-and-entrepreneurs","rbcwm_segment-individuals-and-families","rbcwm_topic-your-business","rbcwm_topic-your-wealth"],"acf":{"rbcwm_subtitle":"Stepping back from your business requires as much hard work and planning as it took to build it. 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