Strategic Planning for Business Owners
A series of relevant and timely topics of interest for owners of closely-held businesses. Listen to learn more about retirement and exit planning, understanding and increasing the valuation of your business, exploring M&A opportunities, integrating personal financial planning with business strategies, increasing the readiness vs. attractiveness of your business, strategically investing net proceeds from your sale, de-risking your business and protecting its value, life after exit, and much more.
UBS Advisor Podcasts
Estate Strategies for Business Owners - Securing Your Business Legacy
As a business owner, your company likely represents the majority of your wealth—often 70-90% of your net worth. Yet many owners focus solely on growing their business while overlooking the critical importance of comprehensive estate planning. In this episode, Steven Young, Senior Vice President at UBS Wealth Management and senior member of the Business Transition Consultants team, explores the unique challenges business owners face when planning for the future. Discover why estate planning for business owners goes far beyond traditional wealth transfer. Steven walks you through essential topics including business succession strategies, buy-sell agreements, tax-efficient transfers, valuation considerations, and creating liquidity for estate obligations. Learn how to balance fair treatment among heirs when not all family members are involved in the business, and why incapacity planning is just as critical as planning for death. Whether you're considering passing your business to the next generation, transitioning to key employees, or planning an eventual sale, this episode provides actionable insights to help you protect your life's work and provide for your family's future. Don't let poor planning destroy the value you've spent decades building.
Cash Balance Plans: A Powerful Wealth-Building Tool for Business Owners
Discover how cash balance plans can revolutionize your retirement strategy as a business owner. In this comprehensive episode, UBS Senior Vice President Steve Young explores one of the most powerful yet underutilized retirement planning tools available to successful entrepreneurs and business owners. Learn why cash balance plans are particularly advantageous for owners over 40, how they enable contributions of $200,000-$350,000+ annually (far exceeding 401(k) limits), and how these contributions directly reduce your taxable income. Steve explains how cash balance plans work seamlessly alongside existing 401(k) and profit-sharing plans—or can be implemented independently—without disrupting your current retirement strategy.
Retirement Planning for Business Owners
In this episode of Strategic Planning for Business Owners, host Steven Young, Senior Vice President at UBS and senior member of the Business Transition Consultants team, tackles the most critical question every business owner faces: How do you plan for retirement when your business is your retirement plan? Most business owners have the majority of their net worth tied up in a single, illiquid asset—their company. While this concentration can create extraordinary wealth, it also exposes them to massive vulnerability that traditional employees never face. Steven breaks down why the "my business is my retirement plan" approach is a dangerous trap and reveals the sophisticated strategies successful entrepreneurs use to build true financial independence.
Navigating Wealth Management for Middle Market Business Owners
In this essential episode, host Steven Young, Senior Vice President of Wealth Management at UBS and Senior Member of the Business Transition Consultants team, reveals why most Middle-market business owners face a unique financial dilemma that most professionals never encounter: the challenge of managing two deeply intertwined financial identities simultaneously. On one hand, they’re business leaders responsible for corporate strategy, growth, and sustainability. On the other, they’re individuals with personal financial goals, family obligations, and retirement aspirations. This dual financial identity creates complexities that require specialized approaches to wealth management.
Value Acceleration: The Exit Planning Imperative
Are you among the 70-80% of business owners whose companies will never successfully sell? In this essential episode, host Steven Young, Senior Vice President of Wealth Management at UBS and Senior Member of the Business Transition Consultants team, reveals why most business exits fail and introduces the Value Acceleration Methodology. Drawing from hundreds of successful transitions, Steven exposes the critical disconnect between owner expectations and market realities that traps entrepreneurs in businesses they can no longer grow or enjoy, and shows how to integrate business enhancement, personal financial planning, and exit option development into a comprehensive process that creates value whether you plan to exit next year or in twenty years.
