Owner Optionality Assessment

Wealth Integration

How would you describe the relationship between your business and personal wealth?

My business is my entire financial plan—I haven't prioritized personal wealth-building. My business provides my income, but I have separate personal investments. I actively integrate my business and personal finances into a cohesive strategy. I'm unsure and need help structuring my finances better.

What are your top 3 financial priorities right now? (Select up to 3)

Growing my business revenue and profitability Increasing my personal wealth outside of my business Reducing taxes efficiently Protecting my business and personal assets Planning for retirement or an eventual business exit Balancing business reinvestment with personal liquidity Ensuring my family's financial security

Outside of your business, what percentage of your net worth is in personal investments?

0–10% (My business is nearly everything) 10–25% (I have some investments but not much) 25–50% (A good balance, but my business is still my largest asset) 50%+ (I've diversified significantly outside my business)

How do you currently manage liquidity (cash reserves) for your business and personal life?

I keep significant cash reserves in my business and personal accounts. I have some liquidity, but most of my capital is tied up in the business. I reinvest almost everything back into the business and have little personal liquidity. I need help structuring my cash flow to ensure financial security.

Protection and Continuity

Have you structured your business in a way that protects your personal assets from lawsuits or creditors?

Yes, my business entity and legal structure protect my assets. Somewhat, but I'm not sure if my protection is strong enough. No, I need help with legal and asset protection planning.

Do you have a contingency plan in place if you were unable to work for an extended period?

Yes, I have disability insurance and/or key person insurance. I have some protection, but I'm unsure if it's enough. No, I don't have a plan in place and need help structuring one.

If something happened to you tomorrow, would your business and family know what to do financially?

Yes, I have a clear succession and estate plan in place. I have some elements in place, but there are gaps. No, I haven't planned for this scenario.

Strategic Readiness

What is your long-term plan for your business?

I plan to sell it for a large exit. I want to transition ownership to a family member or key employees. I'm unsure but want to explore my options. I plan to run it indefinitely without an exit strategy.

How confident are you in your tax strategy for both business and personal wealth?

Very confident—I have a tax strategy that aligns with my financial goals. Somewhat confident—I take deductions but don't have a comprehensive strategy. Not confident—I feel like I might be overpaying or missing opportunities.

Personal Details

Any results or output generated are based solely on the unverified data and self-reported information provided by you, and are for general informational purposes only — not financial, legal, or tax advice.

Is Your Business Building Wealth—Or Just Generating Income?

Wealth Integration

Protection and Continuity

Strategic Readiness

Personal Details

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