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Tom Meaglia, ChFC®, AEP®,


Chartered Financial Consultant

Investment Advisor Representative

Chartered Retirement Planning Counselor

CA Insurance Lic. #0567507


Meaglia Financial Consulting

2105 Foothill Blvd., #B140, La Verne, CA 91750


Toll Free: 800-386-3700

Bus:         909-593-6105

Cell:         818-681-8600

Fax:         909-593-6120




May/June 2023

Retirement Planning: The Right Approach

Retirement Planning The Right Approach

As a business owner, you might be counting on the sale of your business to fund your retirement. That expectation may lead you to believe that increasing your business’s profitability is the key to a lucrative sale. But, according to the Exit Planning Institute,* up to 80 percent of businesses don’t sell — or sell for less than expected — leaving most owners unable to cash in on their business’s profits and potentially depriving them of retirement income.

Value Over Profit
The key to positioning your business for an eventual sale lies with increasing the business’s intrinsic value. Instead of focusing only on growing your profits, shift some of your focus to making improvements in these crucial planning areas: sales, marketing, leadership, people, operations, finance, and legal. While there are no guarantees, building intrinsic value may help make your business more attractive to potential buyers.

Retirement Planning
Funneling most of your profits back into the business can provide you with a substantial income as long you’re still working. But, when you eventually step away, you run the risk that, without a sale, you will be left with no money to fund your retirement. Investing a portion of your profits outside of your business can provide diversification** and offers a way to save for retirement that is distinctly separate from, and not affected by, business performance. Additionally, investing some of your profits in tax-favored retirement accounts may reduce your immediate tax obligation and, in some instances, move you into a lower tax bracket.

A Strategic Plan
Business owners can benefit from not thinking of business planning as an isolated activity. Combining personal financial planning with business planning can put business owners on the right path for reaching both business and retirement goals. Your financial professional can help you devise a strategic plan to help increase wealth and build your retirement savings.

* The Institute provides education and resources to professional business advisors.
** Diversification cannot eliminate the risk of investment losses. Past performance won’t guarantee future results. An investment in stocks or mutual funds can result in a loss of principal.


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Investment advisory services are offered through Fusion Capital Management, an SEC Registered Investment Advisor. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. SEC registration is not an endorsement of the firm by the commission and does not mean that the advisor has attained a specific level of skill or ability. All investment strategies have the potential for profit or loss.
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