It takes courage to look wrong early and be right in the long run™
ADRIAN C. SPITTERS
Planning before a sale or transfer
Plan the Repositioning Before the Tax Event Is Fixed.
Plan before selling or passing on a business, property, or investment.
The best time to plan for taxes and future income is before a sale or transfer is final. Once the agreement is signed or the asset has moved, some choices may be gone.
We help you prepare early. We look at the expected sale price, possible taxes, money needed soon, future income, and the next investment plan together.
Nearly four decades of advisory experience. One advisor who understands the whole picture. Independent specialists when needed.
Who this is for
Business owners preparing for a sale, family transfer, or change in ownership.
Property owners deciding whether to sell, refinance, or pass land to family.
Investors with a large gain in one stock or investment.
Families expecting a large payment from a sale, inheritance, or company change.
What We Help You Work Through
Estimate what may remain after tax, debt, fees, and other costs.
Identify choices that must be made before a sale or transfer is final.
Set aside money for taxes, family needs, and near-term spending.
Reduce the risk of moving all proceeds into a new investment too quickly.
Coordinate with the accountant, lawyer, and other specialists responsible for formal advice.
Plan Before the Deal Is Fixed
The sale price is only one part of the result. Ownership, timing, debt, tax rules, and the way you are paid all matter. They affect what the family keeps and when the money is available.
We help raise these questions early so the legal and tax professionals have time to review the available choices.
Separate the Sale From the Family Plan
A successful sale does not automatically create a sound personal plan. Some money may be needed for tax. Some may need to provide income. Some may stay available for a home, a new business, family support, or future opportunities.
We divide the proceeds by purpose before deciding how to invest them.
Large Gains Need a Careful Exit
Selling a large holding all at once may create a large tax bill. Selling too slowly may leave the family exposed to one company or market. We help compare the choices and keep enough money available for the tax and other needs.
Special Tax Strategies Need Extra Care
Some investments may provide tax deductions. Certain flow-through share programs are one example. These investments have their own risks, fees, time limits, and rules about who can use them.
They should be considered only after the need, risk, and full plan are clear. Your accountant and tax professionals remain responsible for tax advice.
The Proceeds Need a Written Mandate
Before capital is committed, the family should define how much remains liquid, how income will be produced, which risks must be reduced, which investments can be held for the long term and what may eventually pass to family or charity. Reinvestment should follow the new mandate, not the momentum of the transaction.
What a Stronger Position Looks Like
You understand what may remain after the sale, what must be kept available, and how the proceeds will support your next stage of life.
What Happens Next
Start with a confidential conversation. Tell us what you own, what is changing, and where you need greater clarity.
Organize the whole picture. We identify the key facts, gaps, risks, and decisions that need attention.
Set the next steps. We help put the work in the right order and bring in independent specialists when needed.
Continue the Research
Flow-Through Investing 2025: Turning Taxes into Opportunity - introduces a specialized tax-aware investment strategy and its planning context
The Tax Trap Inside Appreciated Portfolios - shows how embedded gains can constrain diversification and future decisions
What Happens When You Sell? - connects the transaction with taxes, liquidity, income and the next capital structure
Selling the Asset Was Only Step One - focuses attention on the post-sale mandate rather than the closing alone
The Dual Balance Sheet Concept™ - tests whether transaction value becomes durable personal and family capital
The Liquidity Gap™ - separates sale proceeds from the capital required for taxes and obligations
The Real Estate Wealth Illusion™ - offers a disciplined test for holding versus repositioning concentrated property
Explore the complete Reset Report library: Research | Frameworks | White Papers
Related PFC Wealth Solutions
Why Work With Us
We connect the sale or transfer with the family plan before the money moves. We coordinate with accountants, lawyers, investment professionals, and other specialists, while keeping each person responsible for advice in their own field.
Adrian C. Spitters, CFP®, FCSI®, CEA, is President and Private Wealth Advisor of PFC Wealth Solutions™ through Performance Financial Consultants Ltd. Since entering financial services in 1987, he has advised business owners, professionals, farmers, retirees and multigenerational families through repeated market, credit and economic cycles. He leads the family's planning and investment architecture, coordinates the appropriate independent professionals and helps ensure that every recommendation serves a defined role within the whole balance sheet. He is co-author of It Starts With Gold™ and co-founder of The Merrick Spitters Reset Report™.
Frequently Asked Questions
Question 1: When should we start planning a sale or transfer?
Before the deal is fixed. Once the agreement is signed or the asset has moved, some choices may be gone.
Question 2: Do you give tax advice?
No. Your accountant and tax professionals remain responsible for tax advice. We raise the planning questions early so they have time to work.
Question 3: What happens to the money after a sale?
Some may be needed for tax. Some may need to provide income. Some may stay available. We divide the proceeds by purpose before investing them.
Question 4: What happens after the first conversation?
We organize the facts, name the gaps, and set the next steps in order. You choose whether to continue.
Take the Next Step
If you may sell or transfer a business, property, or investment, we can help organize the decisions before the timing removes your choices.
If you would rather keep learning first, subscribe for independent analysis on structural risk, ownership, liquidity, markets, succession and continuity. Every subscription includes the weekly Reset Report and a complimentary digital copy of It Starts With Gold™.
PFC Wealth Solutions™
Financial Planning and Insurance Advice
Adrian C. Spitters is a licensed insurance agent and President of Performance Financial Consultants Ltd., the licensed insurance agency through which his insurance business is conducted. PFC Wealth Solutions™ is a trade name of Performance Financial Consultants Ltd.
Information on this website is general and does not constitute financial, investment, insurance, legal or tax advice, or an offer or solicitation.
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Adrian C. Spitters provides securities advice in his separate capacity as a Dealing Representative of Axcess Capital Advisors Inc. Any discretionary portfolio-management services are provided by independent portfolio managers under separate agreements.
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