{"id":3996,"date":"2019-02-01T20:15:00","date_gmt":"2019-02-01T20:15:00","guid":{"rendered":"https:\/\/fusionwm.com\/?p=3996"},"modified":"2022-10-12T20:21:25","modified_gmt":"2022-10-12T20:21:25","slug":"why-you-need-a-buy-sell-agreement","status":"publish","type":"post","link":"https:\/\/fusionwm.com\/why-you-need-a-buy-sell-agreement\/","title":{"rendered":"Why You Need a Buy-Sell Agreement"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"400\" src=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-12-at-2.20.05-PM-1024x400.jpg\" alt=\"\" class=\"wp-image-4000\" srcset=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-12-at-2.20.05-PM-1024x400.jpg 1024w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-12-at-2.20.05-PM-300x117.jpg 300w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-12-at-2.20.05-PM-768x300.jpg 768w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-12-at-2.20.05-PM-1536x599.jpg 1536w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-12-at-2.20.05-PM.jpg 1830w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div style=\"height:29px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><em>If you\u2019re a co-owner of a business and were to die, what would happen to your equity in your business?<\/em><\/p>\n\n\n\n<p><em>If you have a partner and he or she were to die, would you want to be in business with that person\u2019s spouse\u2014or children?<\/em><\/p>\n\n\n\n<p><em>If you sell part of your company to a private equity firm and then die sometime afterward, how can you be sure your loved ones and heirs won\u2019t be cheated if that private equity firm attempts to buy them out? <strong><\/strong><\/em><\/p>\n\n\n\n<p>As a business owner, it\u2019s time to ask yourself these tough questions\u2014or revisit them if you haven\u2019t thought about them in years. The fact is, without proper planning, the sudden death of a co-owner can have serious financial consequences. It can, for example:<\/p>\n\n\n\n<ul><li>Leave the family of the deceased co-owner without a major source of income<\/li><li>Result in a lawsuit over acquiring the deceased co-owner\u2019s share of the business<\/li><li>Significantly hurt the ongoing business\u2019s financial health<\/li><\/ul>\n\n\n\n<p>The good news: There\u2019s a solution\u2014called a <strong>buy-sell agreement<\/strong>\u2014that can help avoid all of these negative outcomes. By having this agreement in place, you can be more confident that the uncertainties concerning your business after your death or the death of a business partner will be addressed as you would want them to be.<\/p>\n\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"has-text-color wp-block-heading\" style=\"color:#1d49a7\">How a buy-sell works<\/h1>\n\n\n\n<p>A buy-sell agreement is a legal contract between co-owners of a business, or between the business and the co-owners. It sets out what will happen with a co-owner\u2019s equity if he or she dies\u2014guaranteeing a buyer and guaranteeing a price. Buy-sell agreements can also deal with situations in which a co-owner is forced to leave a business or chooses to exit.<\/p>\n\n\n\n<p>A critical element of a buy-sell agreement is the approach used to value a business. The aim is to avoid any litigation over what the equity is truly worth. There are two basic approaches:<\/p>\n\n\n\n<ul><li><strong>Formulaic.<\/strong> A formula to value the company is used, such as a multiple of earnings. However, the formula used should likely be modified as circumstances change (such as when a business grows or adds new product lines).<\/li><li><strong>Process.<\/strong> A methodology is used to determine the value of the business. For example, a valuation expert can be called in periodically to determine how much the equity is worth.<\/li><\/ul>\n\n\n\n<div style=\"height:29px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"has-text-color wp-block-heading\" style=\"color:#1d49a7\">Funding a buy-sell agreement<\/h1>\n\n\n\n<p>Buy-sell agreements must be funded in order to work, and there are several ways to fund them. For example:<\/p>\n\n\n\n<ul><li><strong>Cash flow.<\/strong> This involves using money generated by the business to purchase the equity of a deceased co-owner. This approach lacks certainty for all involved because it requires the business to have enough cash flow at the time of death to buy out that equity\u2014which may or may not be the case.<\/li><\/ul>\n\n\n\n<ul><li><strong>Borrowing.<\/strong> This approach involves taking a loan to pay for the deceased co-owner\u2019s equity. It can be problematic because it depends so much on the financial position of the business or the surviving co-owner, as well as on a lender\u2019s willingness to lend. <strong><\/strong><\/li><\/ul>\n\n\n\n<ul><li><strong>Sinking fund.<\/strong> Here, money is put away over time into a fund to eventually buy the equity of the deceased partner. One complication with this approach is determining just how much to put into the sinking fund. Fail to put in enough before a co-owner dies and there won\u2019t be adequate cash to buy out the equity. Put in too much and you\u2019ve essentially held on to money that could have been used to grow the business. In addition, money in a sinking fund could be exposed to a company\u2019s creditors.<\/li><\/ul>\n\n\n\n<ul><li><strong>Life insurance.<\/strong> Using life insurance is usually the most common approach because it provides a guarantee that the other approaches do not, in the form of the policy\u2019s death benefit. As a result, the estate of the deceased co-owner can be paid for the equity without any complications. Expected money is available when it is most needed due to the life insurance proceeds.<\/li><\/ul>\n\n\n\n<div style=\"height:29px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"has-text-color wp-block-heading\" style=\"color:#1d49a7\">Three types of buy-sell agreements<\/h1>\n\n\n\n<p>There are two principal types of buy-sell agreements, and a third version that combines elements of the other two. Here\u2019s how they work.<\/p>\n\n\n\n<div style=\"height:29px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"has-text-color wp-block-heading\" style=\"color:#1d49a7\">Type #1: Cross-purchase plan<\/h1>\n\n\n\n<p>Each co-owner will buy the equity from the estate of another co-owner based on the agreed-upon terms. This approach can be very effective for businesses with relatively few co-owners. Usually, each co-owner will have life insurance policies on the other co-owners under this type of plan (see Exhibit 4).<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"750\" height=\"302\" src=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-79.png\" alt=\"\" class=\"wp-image-3997\" srcset=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-79.png 750w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-79-300x121.png 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/figure><\/div>\n\n\n<p>These are the primary steps with a cross-purchase plan:<\/p>\n\n\n\n<ol type=\"1\"><li>Each co-owner pays the premiums on the life insurance policies of the other co-owners.<\/li><li>When a co-owner dies, the surviving co-owners receive the proceeds from the life insurance policy.<\/li><li>The proceeds are used to purchase the deceased co-owner\u2019s share of the business.<\/li><\/ol>\n\n\n\n<p><strong>Advantage:<\/strong> If the business is later sold by the remaining partners, they will have increased their basis in the business by using a cross-purchase plan\u2014saving them taxes when they sell.<\/p>\n\n\n\n<p><strong>Warning:<\/strong> Cross-purchase plans often are too unwieldy when there are many co-owners, because it can become difficult to determine who will buy what percentage of the equity of the deceased co-owner. It also often becomes complicated and inefficient to fund this arrangement. For example, it may be very expensive to have multiple life insurance policies on all the various co-owners. That said, there are some variations of cross-purchase plans that address these concerns\u2014such as a trusteed cross-purchase plan incorporating a trust or use of certain partnerships. The addition of the trust regularly avoids the need for multiple life insurance policies, thereby reducing costs.<\/p>\n\n\n\n<div style=\"height:29px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"has-text-color wp-block-heading\" style=\"color:#1d49a7\">Type #2: Entity redemption plan<\/h1>\n\n\n\n<p>In this case, the business entity\u2014not the co-owners\u2014takes out the life insurance policies and pays the premiums. When a co-owner dies, the company can purchase his or her equity with the proceeds from the life insurance policy. This arrangement tends to work well when there are a large number of co-owners, as it is usually less complex than a cross-purchase arrangement (see Exhibit 5).<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"734\" height=\"302\" src=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-80.png\" alt=\"\" class=\"wp-image-3998\" srcset=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-80.png 734w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-80-300x123.png 300w\" sizes=\"(max-width: 734px) 100vw, 734px\" \/><\/figure><\/div>\n\n\n<p>This type of plan unfolds along these steps:<\/p>\n\n\n\n<ol type=\"1\"><li>The business pays the premiums on the life insurance policies on each co-owner.<\/li><li>When a co-owner dies, the business receives the proceeds from the life insurance policy.<\/li><li>The proceeds are used to purchase the deceased co-owner\u2019s share of the business.<\/li><\/ol>\n\n\n\n<div style=\"height:29px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"has-text-color wp-block-heading\" style=\"color:#1d49a7\">Type #3: Hybrid plan<\/h1>\n\n\n\n<p>With a hybrid plan, the business usually has the first option to purchase the equity of the deceased co-owner. If the business chooses not to buy the equity\u2014due to tax-related considerations, for example\u2014the co-owners have the option to do so. A hybrid plan is more complex than the other two approaches (see Exhibit 6), but it provides greater flexibility in structuring the purchase of the equity from the deceased co-owner\u2019s estate.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"816\" height=\"402\" src=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-81.png\" alt=\"\" class=\"wp-image-3999\" srcset=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-81.png 816w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-81-300x148.png 300w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-81-768x378.png 768w\" sizes=\"(max-width: 816px) 100vw, 816px\" \/><\/figure><\/div>\n\n\n<p>These are the major steps with a hybrid plan:<\/p>\n\n\n\n<ol type=\"1\"><li>The co-owners purchase (and are the owners and beneficiaries of) the insurance policies on all the shareholders.<\/li><li>Upon the death of a shareholder, the business has the first right of refusal to buy the equity of the deceased partner. If the business chooses to exercise that right, it buys the shares and brings them back into the business directly.<\/li><li>If the business passes, the surviving shareholders then get the right to purchase the equity directly. If they exercise the right, they then buy the deceased\u2019s shares directly and own them personally.<\/li><\/ol>\n\n\n\n<div style=\"height:29px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"has-text-color wp-block-heading\" style=\"color:#1d49a7\">Taking action<\/h1>\n\n\n\n<p>Conceptually, buy-sell agreements are pretty straightforward. But clearly, there are important nuances and complex issues to consider when determining the best type of buy-sell as well as the right funding mechanism for your needs. Depending on various factors\u2014such as the number of co-owners in a business\u2014things can get complicated fast. With that in mind, consider working with a financial or legal professional you trust who is also well-versed in the area of buy-sell agreements.<\/p>\n\n\n\n<div style=\"height:29px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>This report was prepared by, and is reprinted with permission from, VFO Inner Circle.&nbsp; AES Nation, LLC is the creator and publisher of VFO Inner Circle reports.<\/p>\n\n\n\n<p>Disclosure: The opinions expressed in this commentary are those of the author and may not necessarily reflect those held by Kestra IS or Kestra AS. The material is for informational purposes only. It represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. It is not guaranteed by Kestra IS or Kestra AS for accuracy, does not purport to be complete and is not intended to be used as a primary basis for investment decisions. It should also not be construed as advice meeting the particular investment needs of any investor. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA\/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS.<\/p>\n\n\n\n<p>Fusion Wealth Management is not affiliated with Kestra IS or Kestra AS. <a href=\"https:\/\/www.kestrafinancial.com\/disclosures\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.kestrafinancial.com\/disclosures<\/a><\/p>\n\n\n\n<p>VFO Inner Circle Special Report<br>By Russ Alan Prince and John J. Bowen Jr.<br>\u00a9 Copyright 2021 by AES Nation, LLC. All rights reserved.<\/p>\n\n\n\n<p>No part of this publication may be reproduced or retransmitted in any form or by any means, includ- ing, but not limited to, electronic, mechanical, photocopying, recording or any information storage retrieval system, without the prior written permission of the publisher. Unauthorized copying may subject violators to criminal penalties as well as liabilities for substantial monetary damages up to $100,000 per infringement, costs and attorneys\u2019 fees.<\/p>\n\n\n\n<p>This publication should not be utilized as a substitute for professional advice in specific situations. If legal, medical, accounting, financial, consulting, coaching or other professional advice is required, the services of the appropriate professional should be sought. Neither the authors nor the publisher may be held liable in any way for any interpretation or use of the information in this publication.<\/p>\n\n\n\n<p>The authors will make recommendations for solutions for you to explore that are not our own. Any recommendation is always based on the authors\u2019 research and experience.<\/p>\n\n\n\n<p>The information contained herein is accurate to the best of the publisher\u2019s and authors\u2019 knowledge; however, the publisher and authors can accept no responsibility for the accuracy or completeness of such information or for loss or damage caused by any use thereof.<\/p>\n\n\n\n<p>Unless otherwise noted, the source for all data cited regarding financial advisors in this report is CEG Worldwide, LLC. The source for all data cited regarding business owners and other professionals is AES Nation, LLC.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019re a co-owner of a business and were to die, what would happen to your equity in your business? If you have a partner and he or she were to die, would you want to be in business with that person\u2019s spouse\u2014or children? If you sell part of your company to a private equity [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":4001,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Why You Need a Buy-Sell Agreement - Fusion Wealth Management<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fusionwm.com\/why-you-need-a-buy-sell-agreement\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why You Need a Buy-Sell Agreement - Fusion Wealth Management\" \/>\n<meta property=\"og:description\" content=\"If you\u2019re a co-owner of a business and were to die, what would happen to your equity in your business? 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