From LOI to Legacy. Every Step, Planned.
We coordinate the financial dimensions of your exit so the proceeds of a lifetime of work are positioned for the next chapter, with the goal of reducing the impact of reactive decisions.
An exit event, whether a business sale, an IPO, or a private equity recapitalization, can compress decades of wealth creation into a single transaction. The decisions made during this window can have lasting implications on your tax position, your liquidity, your estate, and your family. At Tierney Wealth, liquidity and exit planning is about managing every financial dimension of this transition with the same care and discipline that built the asset in the first place. We begin before the letter of intent and continue well beyond the close.
How We Approach Liquidity and Exit Planning
Pre-Close Financial Architecture
Before any transaction closes, we work with your legal and tax advisors to help establish the financial architecture in place: trust structures, charitable vehicles, entity restructuring, and gift strategies that may be completed before proceeds are received.
Deal Structure Analysis
Not all liquidity events are the same. We model the after-tax impact of different deal structures, including all-cash, earn outs, equity rollovers, installment sales, and seller financing, so you can evaluate the financial value of each option.
Liquidity Needs Assessment
How much do you actually need liquid? We help you think through near-term spending, medium-term commitments, and long-term goals so the proceeds are deployed with intention rather than sitting in cash or being invested reflexively.
Tax Optimization Across the Transaction
We coordinate with your CPA to evaluate estimated taxes, net investment income tax exposure, state tax obligations, and the timing of gain recognition. For multi-year transactions, we plan each phase independently with the aim of managing the cumulative tax burden.
Post-Transaction Wealth Management
The close is not the end. It is the beginning of a new phase of your financial life. We help you transition from business owner to investor, from operator to steward, with a wealth management strategy designed to align with the scale and complexity of your post-exit reality.
“An exit is not the end of the story. It is the moment that determines how every future chapter reads.”
Tierney Wealth
