SRG SRG Wealth PreservationIndependent Fiduciary Advisors
Business Succession & Buy-Sell Planning Portal

Build Your Buy-Sell Agreement — Step by Step

Value your business, calculate the insurance funding you need, compare agreement structures, and generate a working draft to bring to your attorney. Designed for corporations, S-corps, LLCs and partnerships of any size.

Why every co-owned business needs a Buy-Sell Agreement

A buy-sell agreement is a binding contract that controls what happens to an owner's interest when a "triggering event" occurs — death, disability, retirement, divorce, or a falling-out. Without one, your business partners could become your co-owner's spouse, heirs, or creditors. This portal walks you through the four decisions every agreement must answer: What is the business worth? How will the buyout be funded? What structure fits? And what terms go in the document?

1

Value the Business

Every buy-sell is built on a number. Use four professional valuation methods — revenue multiple, EBITDA multiple, capitalization of earnings, and adjusted book value — blended into a defensible estimate and range.

2

Calculate Funding Need

Each owner's share of the company is a buyout obligation someone must pay. See per-owner obligations, existing coverage, and the life & disability insurance gap that would otherwise come out of cash flow or debt.

3

Compare Structures

Cross-purchase, entity purchase (redemption), or wait-and-see? Policy counts, tax basis, creditor exposure, and the 2024 Connelly v. United States decision all matter. Get a structure recommendation for your situation.

4

Generate a Draft Agreement

A guided questionnaire — company details, owners, valuation method, triggering events, funding and payment terms — produces a complete draft buy-sell agreement you can download and take to your attorney.

Professional guidance included. These tools produce planning estimates and a discussion draft — not legal, tax, or investment advice. SRG Wealth Preservation acts as an independent fiduciary: when you're ready, we coordinate with your attorney and CPA to finalize the agreement and place the insurance funding at the best available rates.

Step 1 — Business Valuation Calculator

Enter your financials and industry. We compute four standard methods and blend them into an estimated value and range. You can adjust the weights to reflect what best represents your business.

Company Financials Use your most recent full fiscal year (or a 3-year average for smoother results).

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Method Weights How much each method should count toward the blended value. Weights are normalized automatically.

Which method matters most? Service firms are usually weighted toward EBITDA and capitalized earnings; asset-heavy businesses (equipment, real estate, inventory) deserve more weight on adjusted book value; high-growth companies lean on revenue multiples.

Step 2 — Insurance Funding Calculator

When a trigger hits, someone must write a check for the departing owner's share. This calculator shows each owner's buyout obligation, the life insurance needed to fund it, and any coverage gap.

Company & Owners

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NameOwnership %AgeExisting Coverage ($)

Step 3 — Structure Comparison

The three classic ways to structure a buy-sell, compared for your situation — including policy counts, tax basis treatment, creditor exposure, and estate-tax implications after Connelly v. United States (2024).

Your Situation

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Step 4 — Buy-Sell Agreement Builder

Answer the questionnaire and generate a complete draft agreement — structure, valuation clause, triggering events, funding, and payment terms — ready to download and review with your attorney.

Company
Owners
Structure
Valuation
Triggers
Funding & Terms
Review

Company Information

Owners Percentages should total 100%. Pre-filled from Step 2 if you completed it.

Full Legal NameOwnership %Age (optional)

Agreement Structure

Valuation Method

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Triggering Events Select every event that should trigger a purchase right or obligation.

Funding & Payment Terms

Installment Terms For any portion of the price not covered by insurance proceeds.

Review & Generate

Important: The generated document is a draft for discussion purposes only. It is not legal advice and must be reviewed, adapted, and finalized by a licensed attorney in your state, with tax input from your CPA, before signing.