Expert Financial Planning for entrepreneurs exiting their business
Nov 22, 2025
Helping business owners navigate the transition from business aale to personal wealth
At Obsidian Financial Planning, we specialise in financial planning for entrepreneurs preparing to exit their business. While there are many advisers in the start-up and growth phase, we believe the business exit market is underserved — especially when it comes to helping expatriate founders plan what’s next after a successful sale. Through strategic collaboration with legal, tax, and corporate finance professionals, we aim to deliver the best long-term outcomes for business owners — turning sale proceeds into lasting personal wealth.
Why entrepreneurs need exit planning support
Most entrepreneurs are so focused on growing their business that personal financial planning takes a back seat. When it’s time to sell, they’re often dealing with:
Deal fatigue
Tax complexity
Uncertainty about next steps
A major lifestyle shift
We understand that transitioning from income to capital wealth can be overwhelming. That’s why our role is to guide business owners through this pivotal moment — helping them make informed financial decisions, optimise outcomes, and embrace life after exit with confidence.
Tailored wealth management for business sale proceeds
From our experience of working with entrepreneurs, we know what matters most:
Clear, objective advice at every stage
A responsive service that values their time
Transparent fees with no hidden agendas
A forward-thinking approach to wealth management
Creative investment strategies that align with their risk appetite
A successful exit can bring both challenges and exciting possibilities. With the right financial advice, entrepreneurs can turn a life-changing event into a secure and rewarding future.
How we support clients before, during, and after exit
The earlier we’re involved, the more value we can add. Ideally, we begin financial planning 1–2 years before the business sale, so there’s time to:
Structure the entrepreneur’s assets efficiently
Prepare for the tax implications of the deal
Begin the mindset shift from business owner to investor
Cashflow Modelling brings the exit figure to life
One of our most valuable tools is cashflow modelling. We work closely with clients to understand:
Expected sale value
Lifestyle costs
Future goals
Tax implications
This transforms the deal figure from “just a number” into a personalised financial roadmap. Entrepreneurs can then make confident decisions about:
Annual spending levels
Gifting to children or family
Large purchases
Legacy and estate planning
How much to invest vs. keeping liquid
Key questions we help clients answer
During the exit process, we help entrepreneurs explore:
How much do I need to fund my lifestyle?
What will my tax bill and earn-out impact be?
Can I afford to gift wealth to family now?
How do I protect my lump sum from inflation and tax?
What should I keep as a ‘buffer’ vs. long-term investments?
Will I leave behind an inheritance tax liability?
These answers provide the peace of mind needed to focus on the sale — and what comes after.
Partnering with Obsidian for seamless business exit planning
Obsidian Financial Planning offers financial planning partnered with investment management services tailored specifically for entrepreneurs and business owners preparing for exit. We regularly collaborate with tax advisers and lawyers to provide a joined-up service that enhances the client experience.
Together, we help clients:
Focus on what the deal enables them to achieve
Understand and plan for tax implications pre and post-sale
Visualise what a lump sum will enable financially
Learn about investment solutions after exit
Preserve and grow their wealth over the long term
Connect with a network of peers who’ve been through similar exits
No two entrepreneurs are alike, so we tailor our approach to reflect each individual’s goals, values, and financial position.
Written by Sam Barrie, Obsidian Financial Planning (RNF: BSG300134621, representing Synergy Financial Advisers) – this article is written to provide generic information only and does not constitute Financial Advice, which is only provided in an official report based on your individual circumstances.
Investment Philosophy
At Obsidian, our investment philosophy centres on a disciplined, evidence-based approach grounded in rigorous research and long-term value creation. Here are the pillars that define our strategy: