Ryan Sullivan, PE - Financial & Business Planner

Ryan Sullivan, PE - Financial & Business Planner I Craft Personalized Wealth Blueprints for Architects and Engineers | Engineer Turned Financial Planner

Most firm owners want to know: "What's my business worth?But the better question is:"Why is it worth that?"Two firms can...
09/01/2026

Most firm owners want to know:

"What's my business worth?

But the better question is:

"Why is it worth that?"

Two firms can have the same revenue and completely different values.

One might have:
✅ Strong consistent margins
✅ Diversified clients
✅ Predictable backlog
✅ Capable leadership team
✅ Clean financials
✅ Low dependence on the owner

While another might have:
❌ Owner driving every client relationship
❌ A few clients making up the majority of revenue
❌ Inconsistent profitability
❌ Weak systems
❌ Limited management depth
❌ No obvious succession plan

Same revenue.
Very different business.
Very different value.

That's why I think valuation work is most useful years before you sell, not when you are ready to sell.

Because once you understand what is actually driving value, what is supressing it, you can start changing it.

You can:
📈 Reduce owner depedence
📈 Improve margins
📈 Build leadership depth
📈 Diversify clients
📈 Create more predictable revenue
📈 Strengthen systems
📈 Clean up the financials

And suddenly valuation becomes more than a number.

It becomes a business improvement tool.

A valuation should be a roadmap for increasing value, not just a price tag.

The goal isn't just to know what your firm is worth today.

The goal is to know what would make it worth substantially more 3-years from now.

A 30% market decline when you're 35 is frustrating.A 30% market decline when you're 52 and hoping to retire at 58 is som...
08/26/2026

A 30% market decline when you're 35 is frustrating.

A 30% market decline when you're 52 and hoping to retire at 58 is something else entirely.

It's not just a money problem.

It's really a time problem.

Imagine you have built a $2M portfolio.

The market drops 30%.

Now you have $1.4M.

The conventional response is:

"Don't worry. The market will recover. Just stay the course."

And historically speaking, it probably will recover.

But that's not really the question anymore.

The question is: How long will it take to recover?

Because if you were planning to retire in six years, waiting several years for your portfolio to recover could materially change that plan.

58 becomes 60.
Or 62.
Or maybe later.

That's the part that gets missed when people talk about "just staying the course".

When your young, time is your biggest advantage.

As retiremement gets closer, time becomes your biggest constraint.

But I also don't think that just moving your portfolio to a higher concentration of bonds or cash is the answer.

You still need your portfolio to grow for another 20, 30, 40+ years.

So the goal changes.

It's not just "Grow the money".

It beomes: "Grow the money + protect the timeline".

That means being more intentional about the amount of risk you are taking and whether that level of risk makes sense for the environment you are investing in.

You can recover money.

You can't recover time.



Disclaimer: Not investment advice. Information provided for general education purposes only.

Retirement is the wrong goal.At least for most people.The traditional version of retirement says:❌ Work hard for 30-40 y...
08/24/2026

Retirement is the wrong goal.

At least for most people.

The traditional version of retirement says:
❌ Work hard for 30-40 years
❌ Save as much as you can
❌ Hope you have enough

Then someday, stop working and finally enjoy your life.

That never made much sense to me.

Why wait until 65 to create freedom?

What if the real goal was not reitrement, but optionality?

✅ The ability to work because you want to
✅ The ability to take time off when you want to
✅ The ability to change careers
✅ The ability to step back from your business
✅ The ability to travel more
✅ The ability to say no
✅ The ability to design your life around what actually matters to you

This requires a different way of thinking about money.

Not just, "how much do I need to retire?"

But, "how much do I need to create more freedom now?"

That is the idea behind my guide, 𝘙𝘦𝘵𝘪𝘳𝘦𝘮𝘦𝘯𝘵 𝘪𝘴 𝘵𝘩𝘦 𝘞𝘳𝘰𝘯𝘨 𝘎𝘰𝘢𝘭.

It's about shifting from a retirement-first mindset to a freedom-first mindset.

The goal should not be to endure your life until some future life.

The goal should be to build enough financial strength that you gain more control over your life every year.

That is a better target.

And, in my opinion, a much better way to use your money.

Message me "Options" and I will share the guide.

A client of mine just paid off all of her consumer debt.• Personal credit cards• Business credit cards• Vehicle loan• Pe...
08/20/2026

A client of mine just paid off all of her consumer debt.

• Personal credit cards
• Business credit cards
• Vehicle loan
• Personal loan she had taken out to cover past credit card debt

Eight months ago, things looked very different.

❌ Her business was bouncing between $15,000-30,000/month in revenue
❌ She didn't have predictable income for herself
❌ And she had racked up a signficant amount of debt

She felt like she was in a hole that was going to take decades to recover from.

Fast forward 8 months.

✅ Her business is now doing over $100,000/month in revenue
✅ She has a consistent (increasing) personal income
✅ And each month she has tens of thousands of dollars extra to allocate to paying down debt, building cash reserves up, investing, etc.

That transformation is why I love working with business owners.

Your business is a potential gold mine.

But only when it is actually designed to produce profit, income, and options for you.

A lot of firm owners are working incredibly hard inside businesses that aren't giving enough back.

The answer is not more hours.

✅ It is better focus
✅ Better pricing
✅ Better clients
✅ Better systems
✅ Better decisions about where your time and money go

When those things start working together, the trajectory can change very quickly.

Imagine going from feeling trapped by debt,

to having the ability to decide where tens of thousands of dollars go every month.

That is what financial progress should feel like.

Not just more revenue.

🦅 More control.
🦅 More stability.
🦅 More options.

That is the goal.

Do you know the true cost of a decline in your portfolio?Many investors think: "𝘐𝘧 𝘮𝘺 𝘱𝘰𝘳𝘵𝘧𝘰𝘭𝘪𝘰 𝘥𝘳𝘰𝘱𝘴 30%, 𝘐 𝘫𝘶𝘴𝘵 𝘯𝘦𝘦𝘥 𝘢...
08/13/2026

Do you know the true cost of a decline in your portfolio?

Many investors think:

"𝘐𝘧 𝘮𝘺 𝘱𝘰𝘳𝘵𝘧𝘰𝘭𝘪𝘰 𝘥𝘳𝘰𝘱𝘴 30%, 𝘐 𝘫𝘶𝘴𝘵 𝘯𝘦𝘦𝘥 𝘢 30% 𝘨𝘢𝘪𝘯 𝘵𝘰 𝘳𝘦𝘤𝘰𝘷𝘦𝘳."

Not even close.

The deeper the drop, the harder the climb.

That’s why risk management matters more than chasing returns.

It’s easy to get caught up in "growth mode" when markets are hot.

But 𝘩𝘰𝘸 your portfolio handles declines is what really determines long-term success.

The goal isn’t to avoid every dip, that’s impossible.

The goal is to have a strategy that limits significant losses and puts you in position to recover faster.

If you don’t know how much risk you’re actually taking, you could be one downturn away from a much longer road back than you expect.

AE firms constantly struggle with balancing workload vs personnel.You land a big project and you staff up.A project goes...
08/11/2026

AE firms constantly struggle with balancing workload vs personnel.

You land a big project and you staff up.

A project goes on hold and suddenly you are overstaffed.

Most firms don't recognize the value that being in demand carries.

Saying "no" is one of the hardest but most important things a business owner can do.

How can you feel more comfortable turning away paid work?

By keeping demand for your services in excess of your capacity.

Instead of always leaping directly to hiring more staff to do more work,

focus first on building a profitable foundation.

By being more selective in the work you take on and more aggressive with your pricing, you can have higher margins, better cash flow, and less stress.

But it order to do that, you have to be comfortable saying no.

And the best way to be comfortable saying no, is to maintain higher demand than you have capacity.

From The Business of Expertise by David C. Baker

08/06/2026

Sometimes we wait and wait and wait for the perfect moment…

and still don’t get what we want.

My cat spent several minutes sitting at the bottom of a tree, watching a chipmunk run back and forth directly in front of him.

He was focused.
Patient.
Waiting for exactly the right opportunity.

Eventually, he lunged.

And missed.

The funny thing is, waiting did not eliminate the risk.

It only delayed the decision.

And had he waited much longer, the opportunity might have disappeared completely.

I see people do the same thing in life and business.

Waiting until they feel completely confident.
Waiting until the market improves.
Waiting until they understand every detail.
Waiting until the timing feels perfect.

But there is a cost to waiting.

The client chooses someone else.
The opportunity passes.
The market changes.
The employee leaves.
Another year goes by.

Life and business are not about eliminating risk.

That is impossible.

They are about understanding the risk, managing it, and deciding when the potential reward is worth making a move.

Sometimes that means acting before you feel perfectly ready.

You might still miss.
You might have to adjust.
You might learn something the hard way.

But waiting forever does not protect you from failure.

Sometimes it guarantees that you never get the chance.

You will not catch every opportunity.

But the ones worth pursuing rarely wait around until you feel completely ready.

What are you waiting for the "perfect moment" to do?

A client of mine is under contract for his dream property.Five months ago, it was barely even a goal.When we first start...
08/05/2026

A client of mine is under contract for his dream property.

Five months ago, it was barely even a goal.

When we first started working together, I had him go through a series of visioning exercises.

During that process he casually mentioned that someday he would like to own some land with a farmhouse.

It almost sounded like a throwaway comment.

A nice idea for the future.
Something that might happen eventually.

But as I pulled on that thread, it became clear that this was not just a passing thought.

It represented what he wanted next from life.

More space.
More privacy.
A different pace.
A place that felt like his.

So when he dug into his finances, I pushed him on it.

You have the money.
Your retirement is on track.

What exactly are you waiting for?

That question changed the conversation.

He contacted a broker.

A few months later, a listing caught his eye.

Now he is under contract and we are building the financing strategy to turn what felt like a distant dream into his actual life.

This is what good financial planning should do.

Not just tell you how much to save.
Not just project a retirement date.
Not just organize your accounts.

It should help you identify what matters, understand what is possible, and create a path to go get it.

Everyone has dreams.

Most people leave them vague enough that they never act on them.

The different is turning "someday" into something specific.

And then building the plan to make it real.

You get one shot at life.

The goal is not simply to accumulate as much money as possible.

It's to use that money to create the life you always dreamed of.

P.S. If your dream is to own land, send me a message. That's our speciality. 😁

Most people think they need to earn more. Often, they just need to tighten their system. Recently I met with a business ...
08/04/2026

Most people think they need to earn more.

Often, they just need to tighten their system.

Recently I met with a business owner couple earning well into the six figures.

In one conversation, we identified:

❌ ~$75,000 sitting in savings earning 0.01%.

✅ At 3%, that’s $2,250 per year in additional interest for doing nothing differently.

❌ Minimal retirement investing due to income limitations

✅ With the right setup, up to $72,000 per year could potentially be contributed pre-tax, significantly reducing taxable income and accelerating long-term growth.

❌ An HSA being used as a pass-through account

✅ Fully funding it each year could mean thousands in tax savings now, plus decades of tax-free growth.

❌ Looming capital gains from a rental property sale

✅ If structured properly, it could qualify for up to $500,000 in capital gains exclusion, potentially saving tens of thousands in taxes.

❌ A 7.5% mortgage in a declining rate environment.

✅ Even a 1.5% drop could mean hundreds per month in cash flow improvement.

❌ Investment accounts with inconsistent strategy and conservative positioning relative to their goals

✅ Over long periods, even a 2% improvement in annualized return can translate to hundreds of thousands of dollars in additional lifetime wealth.

❌ Life insurance coverage that wouldn’t fully protect a soon-to-be single-income household

✅ Protecting downside risk is just as important as building upside growth.

None of this required more income.

Just coordination.

Most high earners don’t have a spending problem.

They have a structure problem.

Their:
– Tax strategy
– Business income
– Investment allocation
– Cash management
– Risk coverage

…are all operating independently.

Money should not just flow through you.

It should be engineered.

Small inefficiencies feel harmless.

Until you realize they compound in both directions.

When the system is aligned, the math starts working for you instead of against you.

If you are earning well but suspect there are leaks in the structure, there probably are.

The good news?

Structure is fixable.

And clarity compounds just as powerfully as capital.

Engineers have a special relationship with their calculator.I remember my old boss explaining to me his reverse polish n...
07/24/2026

Engineers have a special relationship with their calculator.

I remember my old boss explaining to me his reverse polish notation calculator and how awesome it was.

I thought it was stupid.

Tell me how entering "3" "4" "-" "5" "+" is supposed to be 4-3+5.

Doesn't make any sense.

I love my TI-89 Titanium.

I had to get one in high school and have had it ever since.

It can play Mario, the Urinal game, as well as do math.

I don't use a fraction of its features, but I wouldn't change it out for any other.

How long have you had your calculator?

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