Too good to be true? Nope! A structured sale annuity offers an exciting wealth management tool to business owners wanting to sell their businesses while reducing tax burdens!

A Structured Sale Annuity takes advantage of two IRS revenue rulings: (82-122) and (75-457).

Essentially, a business seller can place any portion of their NET proceeds into a fixed annuity product with a guaranteed yield paid back to the seller. Structured sale annuity products may allow flexibilty in creating a payment schedule.

A guarantee period can be placed on the payment schedule ensuring that the annuitant's estate will continue to receive funds for up to 40 years...even if the annuitant is deceased.

An excellent tool to help fund college educations and retirement--THIS TAX SAVING STRATEGY IS OFTEN OVERLOOKED!!

There are some IRS restrictions, but they are managed easily with proper structuring and planning. Mainly, a seller must avoid "constructive receipt" of the funds placed into the annuity. Funds are only taxable as the annuitant actually receives payment from the annuity.

This tax wise strategy is usually feasible for deals where the remainder (amount the seller wishes to defer)equals or exceeds $100,000.

EVERYBODY WINS! What is best about this technique? Usually buyers are able to acquire the business for less money while the sellers end up realizing MORE money from the sale of their businesses!

Always consult an experienced CPA and or tax attorney to be certain your deal is structured properly.

Posted on Friday 28 of April, 2006 [21:12:49 UTC]

Business Owner Burnout is the most common reason for business owners to sell their businesses. Most owners do not have their businesses ready to sell when burnout has finally taken its toll. It is imperative to learn how to avoid loosing a fortune from the burnout factor.

Your business is like a wheelbarrow: If you want it to go somewhere, you have to pick it up and push. But it takes energy to push a business. Physical, emotional and economic energy may be in short supply when they are needed most. What can be done to ensure an adequate supply of these essentials when they are most needed?

The secret may be found when we ask ourselves important questions about our own businesses--long before we reach the burnout stage. For example:

• Is my business fiscally fit?
• Do I want to get more out of my business?
• Am I happy with what I earn from my business?
• Is there anything I can do to improve the performance of my business?
• Am I satisfied with my position in the business?
• Would anyone REALLY be willing to BUY my business?
• If I needed to sell my business immediately, would I get what I want (or need) from its sale?

But what is the most important question you should ask yourself?

• "Do I know HOW I am going to exit my business when the time comes?"

Here are a few of the exit choices:

• Die at the business, and they carry you out feet first (or wheel you out in that wheelbarrow)
• Close the doors and walk away with nothing
• Begin gifting interests in the business to family or management
• Recapitalize by bringing in new capital and personnel
• Sell to the employees
• An outright sale of the business

Hopefully, you won't choose numbers 1 and 2. So the question remains: Do you have a PLAN to successfully exit your business? If not, you should. In fact, YOUR business might be one of the most valuable assets you own. Have you documented the value of your business? Do you know the value of your business?

If you were to sell today--would you get what you want--or need in order to carry on with your life? If you are like most business owners, your business is not prepared for sale. That means that your business is not as valuable as it should be. In fact, you could probably be earning 10% to 20% more from operating your business if you just knew how....These are just a few of the important issues discussed in the newly released business guide entitled: Secrets to Unlocking the Treasures Hidden in Your Business textby Grover Rutter CPA/ABV, CVA, BVAL and an Empire Certified Business Broker.

Mr. Rutter has worked with business owners for more than 30 years. He has observed what many business owners have done right, and what they have done wrong. With over 30 years of observations, his guide was written especially for business owners who want to increase the value of their business while earning more and enjoying life more. It is Mr. Rutter's hope that readers of the guide will learn how to improve and protect the values of their businesses.

This understandable business guide is currently available at below book store retail by clicking on http://www.Lulu.com/businessadvisorFor more information about business issues go to http://www.gruttercpas.com/

Posted on Friday 28 of April, 2006 [20:53:40 UTC]