One coordinated view
To build a comprehensive picture of your financial life, we use our trademarked processes: Work Optional Analysis™ for your personal financial future and Engineered Exit™ to guide business owners through a successful sale of their company.
Your personal client dashboard brings everything together in one place, including a daily-updated balance sheet, secure document library, and complete view of your assets and liabilities.
Prepare the business.
Plan for what follows.
For Business Owners
For many owners, the business is their largest asset and primary source of income. Selling it turns business value into personal wealth, so the company and the owner’s financial plan should be considered together.
Zenith Capital’s Engineered Exit™ coordinates business preparation, buyer outreach, transaction execution, tax planning, and wealth management. The goal is to improve the wealth you retain after a sale and position it to support what comes next.
We begin with your timing, spending, income needs, family commitments, and plans for life after the business. Through our Work Optional Analysis™, we estimate what your assets could support without earned income and what you may need to net from a sale after taxes and transaction costs.
We assess the company from a buyer’s perspective, identify issues that may affect value or marketability, and prepare it for a confidential sale. We position the business, identify qualified buyers, evaluate offers, and coordinate the transaction with your attorneys, accountants, lenders, and other advisors.
We compare cash at closing, earnouts, seller financing, retained equity, taxes, and continued involvement based on how each option may affect your liquidity and long-term plan. Before closing, we prepare for the proceeds; afterward, we update the analysis and manage the resulting wealth as circumstances change.
Connecting the sale process with your financial plan helps you decide when to sell, what to improve before going to market, and which terms fit your priorities. If the analysis reveals a gap, you may still have time to strengthen the business, adjust the timing or structure, or revisit your assumptions.
Know when work
becomes a choice.
For Owners, Executives, Individuals & Families
What would it take for you to work because you want to, rather than because you have to? For a business owner, that may mean being able to sell the company. For an executive, it may mean knowing when compensation and equity have created enough financial independence. For a family or individual, it may mean having the freedom to retire, change careers, or choose what comes next without relying on a paycheck.
Zenith Capital’s Work Optional Analysis™ determines when earned income may become optional, what it may take to get there, and which decisions could help you make progress.
We begin with the life you want your wealth to support—your spending, family commitments, future plans, and desired flexibility around work. The objective may be to sell a business, leave a corporate role, reduce your hours, or simply know earned income is no longer necessary.
We bring together investments, retirement accounts, business interests, compensation, benefits, income, spending, and taxes. For business owners, we also consider the potential value and timing of a future sale.
The analysis compares your current resources with the assets and income your goals may require. It shows how saving, investment returns, taxes, compensation decisions, or a business sale may affect when work becomes optional.
Your plan should not be a static paper document. In one Zenith Capital dashboard, you can see your plan together with all assets and liabilities, updated daily so the strategy can adapt as markets and circumstances change.
Clarity today. A brighter tomorrow.
If a future sale is on your mind—or you want to understand what it may take to make work optional—we’ll help you see the full picture and the decisions ahead.
Kurt Fetter is an investment advisor representative with Savvy Advisors, Inc. ("Savvy Advisors"). Savvy Advisors is an investment advisor registered with the Securities and Exchange Commission ("SEC"). Zenith Capital is used as a marketing name only and is not separately registered. All advisory services are offered through Savvy Advisors. For information about Savvy, visit our website: www.SavvyWealth.com. For more information about Savvy's investment advisory business, please see our Form ADV and Form CRS.
