If you own a business, it may be the largest single asset you have. The Wealth Gap is a quick way to see whether everything else you own can carry the life you have planned, and how much the business still needs to deliver.
That is a lot of wealth in one place: an asset that can take time to sell and that rises or falls with a single company. The Wealth Gap puts one question on paper: can what you own today, plus what the business eventually delivers, pay for the life you want?
Illustrative figures only. They are not a client’s numbers or a recommendation, so use your own.
| Item | Amount |
|---|---|
| Target annual income after the business | $250,000 |
| Wealth Goal ($250,000 ÷ 0.04) | $6,250,000 |
| Investable net worth, excluding the business | $1,500,000 |
| Wealth Gap | $4,750,000 |
On these numbers, the business needs to deliver about $4.75 million to this owner after taxes and costs, whether through a sale, a transfer, or profits taken out over time. If it is a sale, the price has to clear that figure after taxes and transaction costs, which can take a meaningful share of what a buyer pays. The gross price is not the number that counts. Starting that conversation is the point of the exercise.
Bring your rough numbers. In 15 minutes we can look at them together and talk through what a fuller version would test: your actual spending, your tax picture, and what the business might be worth. Then you decide whether to go further.