Who's Actually Buying Your Business (and for How Much), with Frank Restorick

If someone asked you today, "Who's buying your business, and for how much?" — could you answer? Most incorporated business owners can't. And yet "I'll sell the business someday" is the entire retirement plan for a lot of them.In this episode, Martin and Greg sit down with Frank Restorick, CFP®, Wealth Planner at Optimize Wealth Management, who sees this gap every week in his practice, to break down what a real retirement plan looks like when 80–90% of your net worth is tied up in one company.What we cover:Why your business is one piece of the retirement plan, not the planThe risk of having most of your wealth in a single asset — and how to start de-riskingSelling the business vs. passing it to family: how the plan changesRRSP vs. investing inside the corporation — where the next dollar should goHow passive income inside the corp interacts with the small business deductionHow corporate-owned life insurance works as a tax-sheltered asset, and what borrowing against it can fundThe first three moves for a 50-year-old owner with retained earnings and no planWhy to "cleanse" the corporation of passive income before a saleDisability and critical illness — the risk owners skipIf your retirement plan currently lives entirely in "I'll sell the business someday," this is the episode that gets you asking the right questions before that day arrives.Book a free strategy call: dundaswealth.ca/applyKeep What You Build is presented by Dundas Wealth. The content in this podcast is for educational purposes only and does not constitute financial, tax, or legal advice. Always consult a qualified professional before making financial decisions.