How we work
From first discussion
to a plan you can act on.
You leave knowing what to do next, who does it, and when. We lead the work. Your CPA and attorney keep doing what they do best.
How we work
You leave knowing what to do next, who does it, and when. We lead the work. Your CPA and attorney keep doing what they do best.
Your situation
Pick one and we’ll take you to the steps, shown for your situation. You can switch any time.
Showing examples for business owners.Showing examples for individuals and families. Show examples for both
The point
A plan is only worth having if it changes what you do.
A sale, a retirement date, an inheritance: each one touches money, tax, timing and family at once. We put all of it, and the people already advising you, into one conversation, so you can see what works and what doesn’t.
Before anything else
Somewhere in between? Ask. We’ll tell you straight whether Morrowgate is the right place to start. Specialist legal, tax, valuation or transaction work stays with the professional qualified to do it.
How it works
You set the pace, and you can stop after any step. We agree the timing in the first discussion, so nothing comes as a surprise.
Tell us what you’re facing, the timing, and what’s still unresolved. We tell you plainly whether Morrowgate is the right place to help, and if we’re not, we say so.
If you own a businessTell us what’s happening with the business: a buyer’s call, a child who may take over, or a date you’d like to step back. We tell you plainly whether we’re the right place to start.
For you and your familyTell us what’s changing: a retirement date, an inheritance, or accounts that don’t add up to a plan. We tell you plainly whether we’re the right place to start.
A few sentences, by email or on a short call: what changed, any deadline, and who already advises you. No statements, account numbers or tax returns yet.
If you own a businessA few sentences, by email or on a short call: what changed, any deadline (a buyer’s timeline, a date on a letter of intent), and who already advises you. No financials yet.
For you and your familyA few sentences, by email or on a short call: what changed, any deadline, and who already advises you. No statements or account numbers yet.
A clear yes or no, and if it’s a yes, exactly what happens next. No obligation to go further.
Your accounts, income, spending, debts and the people already advising you go into one view, so nothing gets planned in isolation.
If you own a businessThe company and the household go on one page: what the business is worth to you, how much it relies on you, what you own outside it, and what you spend.
For you and your familyEvery account, income source, debt and policy goes on one page, with what you spend and who depends on you.
Recent statements, your latest tax return, and the names of your CPA, attorney and other advisors. We tell you exactly what’s needed.
If you own a businessRecent business financials, ownership documents, personal statements and tax returns, and any offer or letter you’ve received.
For you and your familyRecent statements, your latest tax return, beneficiary designations, insurance policies and any estate documents you have.
The facts, the assumptions, the missing pieces and the open questions, organized in one place.
What does the next chapter cost? We put a number on the spending, family priorities, flexibility and margin for error your plan has to cover.
If you own a businessWhat would a sale or handoff need to leave you with, after debt and estimated taxes, to fund the life you want? And could the company run without you?
For you and your familyWhat does financial independence look like for you, what do you want to do for your family, and how much margin do you want for the unexpected?
Your priorities, in your own words, and the people who share the decision.
If you own a businessAn honest answer to how involved you want to stay, and what you and your spouse want life after ownership to look like.
For you and your familyWhat you spend now, what you expect to change, and what you want your money to do for the people you care about.
A clear target: the number and the goals every option will be measured against.
Every option you’re weighing is measured against the same target, so you can compare them on equal terms and see the tradeoffs.
If you own a businessSell now, sell later, hand it to family, keep it, or step back. Timing, deal terms and what you would actually keep are tested against your personal plan.
For you and your familyRetire now or later, spend more or less, pay down debt, give during life or later. Income, investment risk, taxes and liquidity are tested against your target.
The choices you’re weighing and the outcomes that would worry you most.
If you own a businessAny offers, term sheets or valuations, and the options you’ve already ruled in or out.
For you and your familyThe choices you’re weighing and the outcomes that would worry you most.
Visible tradeoffs and a clear view of which paths work against your target, with tax estimates for your CPA to confirm.
Your CPA, attorney and other specialists each get the questions and deadlines that belong to them, and everyone works from the same facts.
If you own a businessYour CPA, attorney, valuation professional and deal team each get the questions and deadlines that belong to them, and everyone works from the same facts.
For you and your familyYour CPA, estate attorney and insurance professional each get the questions that belong to them, and we bring everyone together when a decision needs all of you.
Permission to talk with your advisors, and their contact details.
If you own a businessPermission to talk with your CPA, attorney and any banker, broker or valuation professional involved.
For you and your familyPermission to talk with your CPA, estate attorney and insurance agent.
A list of next steps showing who is responsible for each one and what has to happen first.
What happens now, what can wait, who owns each item, and when you’ll come back to it.
If you own a businessYou prepare, negotiate, hand off or keep building, based on the evidence and the path you chose. We keep the personal plan in step with the business.
For you and your familyThe plan is put to work: accounts organized, income set up, risks reviewed, and assumptions revisited as life changes.
Your decisions on the action list, and a heads-up when something in your life changes.
If you own a businessYour decisions, and a heads-up the moment a buyer, a partner or a family member changes the picture.
For you and your familyYour decisions, and a heads-up when life changes: a move, a marriage, a new grandchild, a death in the family.
A written action plan with named responsibilities and a date to review it.
For business owners, the first engagement is usually the Transition Readiness Review. It ends with your number, your options and your next 90 days, in writing.
For business owners
Most owners sell a business once. Here’s what we do at each stage, and what to read when you get there.
Years before
We put a number on what a sale needs to leave you, and line up the business and personal plan while there’s still time to change things.
Preparing a business for sale, three years outA buyer calls
We help you slow down, keep the conversation open, and know your number before anyone names a price.
When a buyer callsLetter of intent
We show what the proposed terms would leave your household, using estimates your CPA confirms, so you and your attorney negotiate from the same numbers.
What to review before you signDiligence
While your deal team answers the buyer’s requests, we keep your personal plan, cash needs and tax timing in step with the deal.
What to share with a buyerClosing
We plan where the proceeds go before the wire arrives: money set aside for taxes, cash for the next few years, and a job for the rest.
What you keep from a saleAfter the sale
We manage the wealth, keep your CPA and attorney working from the same plan, and help you settle into what comes next.
The first 90 days after a saleSomewhere on this line right now? Tell us where you are
After the first plan
Markets move, tax law changes, children grow up, a business sells. How often we meet is set in your agreement, around what’s happening in your life, and we keep the follow-through moving between meetings.
Tax documents to your CPA, estimated payments planned, and cash set aside for the bill.
Titling and beneficiaries checked against the estate plan, insurance and risk reviewed, and your CPA and attorney brought together when a decision needs all of you.
Investments reviewed against their jobs. Year-end tax moves, Roth conversions and charitable gifts decided while there is still time to act.
An offer on the business, a move to Florida, a marriage, a new grandchild, a death in the family. The plan is revisited when it matters, not only on the calendar.
Still a fit?
All three? Then the next step is small.
Want more detail first? Fees and fit Common questions Questions to ask any advisor
Or call (585) 204-6690