Buy-sell agreements funded on a value nobody has checked.

What this is worth to your practice

1. 01

   Stale valuations under-fund the agreement.

   A fixed value or an old formula quietly becomes wrong as the business grows. The gap shows up at the worst possible moment, when a surviving partner has to buy an interest the policy will not cover.

2. 02

   A market-grounded number is a reason to review.

   A Broker Opinion of Value gives you a concrete, non-salesy basis for reopening the conversation with an existing client, and a normal review cadence after that.

3. 03

   Key-person coverage should be sized to something real.

   Owner dependence is the single largest discount buyers apply to small companies. That same dependence tells you what a key-person loss would actually cost — and how much coverage the business needs.

4. 04

   Closing is a full policy review event.

   New ownership, new entity, new lender requirements, new liability and property coverage, and the seller's personal coverage rewritten around a liquidity event. Advisors who are in the file before closing write that business.

5. 05

   Both sides of the transaction need you.

   The buyer needs coverage in place at funding, often as a lender condition. The seller needs personal planning around the proceeds. One closing, two files.

Who you would be sending them to

A boutique business and commercial property brokerage serving Texas owners and investors since 2002, from offices in San Antonio and Waco. Hundreds of transactions closed in Texas and nationwide, with documented experience in manufacturing, distribution, health care, logistics, construction and services.

Serving Texas since

2002 — San Antonio (HQ) and Waco

Transaction focus

$1 – 10 million

Valuation credential

Member, Institute of Business Appraisers (IBA)

Affiliations

IBBA · TABB · Texas Association of Realtors

Buyer reach

Email marketing to 4,000+ opted-in contacts, plus broker network

The people your client will work with

How it works

1. Step 1

   Call or email us.

   Industry, rough revenue, why they are thinking about it. Ten minutes on the phone is usually enough.

2. Step 2

   We prepare the Opinion of Value.

   At no cost, under confidentiality. You decide whether it goes to your client from us or from you.

3. Step 3

   You stay in the file.

   If the owner moves forward you are on the deal team from letter of intent through closing, where the structure and the tax outcome are decided.

Also free to your clients, any time: our Roadmap to Success guide to selling a business, and a sample Confidential Business Review — the buyer-facing document we produce for every listing.

Questions advisors ask

Do you charge for the Opinion of Value?

Not when it comes through you as a referring advisor. There is no engagement letter and no obligation to list.

Can it be used to set buy-sell funding?

It is a market-based indication of likely selling price and a sound planning input. It is not a certified business appraisal, and where an agreement or a filing requires one, a formal appraisal should be obtained.

Do you pay referral fees?

No, and we do not ask you to accept one in the other direction.

How often should the value be revisited?

For an active closely-held company, revisiting every two to three years, or after any material change in earnings, is a reasonable cadence.

Find the version written for your practice

• CPAs, Accountants & Tax AdvisorsThe exit is a tax event first and a sale second.
• Estate-Planning AttorneysThe plan assumes a number for the operating asset.
• Wealth Advisors & Financial PlannersThe largest asset is not under management yet.
• Business & Transaction AttorneysYou paper the deal; better to see it before the LOI.
• Commercial Real Estate ProfessionalsThe property and the business are one decision.
• M&A Advisors & ConsultantsSub-ten-million deals, run locally in Texas.
• Insurance ProfessionalsBuy-sell agreements funded on unchecked values.
• SBA & Commercial LendersFiles that are ready to underwrite on arrival.