09/25/2026
"My business is my retirement plan."
I hear it from business owners every week. My first question is always the same: who's going to buy it, and for how much? Usually the room goes quiet.
I joined Martin Ochwat and Greg Rozdeba on the Keep What You Build podcast to talk through what a real plan looks like when most of your net worth sits in one company. We covered:
- De-risking when 80 to 90 percent of your wealth is in the business
- Why planning should start three to five years before an exit, at minimum
- How passive income inside the corporation affects your small business deduction
- Why disability and critical illness are the risks owners skip
Your business can be a big piece of your retirement. It shouldn't be the whole plan.
Full episode in the comments.
