A strong offer is only the beginning. Taxes, terms and timing decide what you keep. Then comes the bigger question: will it fund the life you want after the business? We help you answer both before the choices get hard to change.
Where are you right now?
Make the business run without you and know your number while you still control the timing.
See what to work onSeparate the headline from what you would keep, when you would get it, and what strings come with it.
Protect your leverageSort out control, fairness, and how you get paid without betting retirement on the next generation succeeding.
Plan the handoffDecide what stays in cash, what funds your life, and what the rest is for.
Plan life after ownershipStart with the purpose
So before anyone talks about returns, we ask what you want all of this to make possible.
Every number in the plan gets measured against your answer. That’s where we start. What is your wealth for?
A hypothetical planning example
The headline price isn’t money you can spend. What matters is what’s left for your family, and whether it pays for the life you want.
Does $10.5M fund the next 30 years? That is the real question.
Why Morrowgate
Tax, legal, investment and deal decisions usually get made in separate rooms. We bring them back to one question: what does this need to do for your family?
Gregory Garone, CEPA®, leads the planning in Rochester. He keeps your investments, taxes, estate, insurance and giving in one plan, and runs the agenda for your CPA and attorney so everyone works from the same numbers. Each of them still gives their own advice.
What Morrowgate stands for →Wealth management for business owners →See how we work, step by step →What protects you
Accounts are held at an independent custodian, primarily Fidelity, with Schwab available. Statements come to you directly from the custodian.
Investment advisory services are provided through Regal Investment Advisors LLC, an SEC registered investment adviser.
Greg holds the Certified Exit Planning Advisor (CEPA®) credential from the Exit Planning Institute.
Pricing and any account minimum are explained before you decide whether to proceed. See fees and fit →
Start with the question
Send it to us. Greg reads every message and replies by email, usually within one business day. No meeting, no pitch and nothing to sign to ask a question.