Morrowgate Private Wealth
The business sold. Now the money has a different job.
A sale changes how the household gets paid, where risk sits, and which decisions need attention first.
& familiesFind your starting point →
Separate available cash from future promises
Start with cash received, amounts reserved for obligations, and proceeds that depend on escrow releases, seller payments, or future performance. A headline sale price is not a spending budget.
Replace the owner paycheck
Organize household spending, other income, reserves, and the timing of withdrawals. Compare assumptions before choosing an investment allocation.
Give each professional a defined question
Your CPA governs the tax projection. Counsel addresses legal documents and commitments. The intended wealth-planning role connects those answers to cash needs, investment decisions, and family priorities.
What should the planning work put in front of you?
- A household cash-flow picture showing spending, other income and the gap the proceeds would need to fill.
- A distinction between available investments, money reserved for known obligations and contingent proceeds.
- Investment questions tied to when you need the money, your capacity for loss and the concentration risks that remain.
- An action list identifying which assumptions your CPA, attorney or transaction team needs to confirm.
These are intended planning outputs; the agreed scope determines the work delivered. No withdrawal amount or investment result is guaranteed.
Bring the questions before the statements.
For an initial discussion, describe when the sale closed, which payments are still outstanding and what you need the money to support. Use approximate figures if helpful. Detailed records can follow through an agreed secure process.
Prepare a first conversation
This page describes intended services. Any future engagement requires appropriate authorization, disclosures, and written agreements.