Using RISR to Turn Exit Planning Into a $6 Million Buy-Sell Solution

Industry

Wealth Management & Financial Planning

Challenge

Jon was advising a business owner who expected to exit within the next three years, but the ownership group lacked clarity around business value, exit priorities, and the protection planning needed to support a clean transition.

Results

By using RISR to establish a credible valuation framework and guide planning conversations, Jon helped drive alignment across the owners and ultimately supported the closing of $6 million in buy-sell insurance coverage.

www.jonsudkinifp.com

"My job is to connect the dots between tax, valuation, insurance, and long-term planning. RISR helped bring those conversations into one room, and that’s what ultimately led to execution"

Jonathan Sudkin

Private Wealth Advisor @ Integrated Partners

About Integrated Partners

Integrated Partners is a national financial planning and registered investment advisory (RIA) firm serving more than $23 billion in assets under advisement. Its signature CPA Alliance Program has grown to include 250+ CPA partner firms, connecting accountants and financial advisors in a collaborative model that deepens client relationships, expands service offerings, and helps advisors grow their practices through high-quality referrals and integrated planning.

The Challenge

Jon Sudkin was introduced to a multi-owner business where one partner was targeting an exit within three years. While the owners had general intentions around transition, there was no structured valuation process or clear framework tying the company’s value to their personal financial goals.

Like many privately held companies, the business had grown successfully over time, but formal planning around succession and buy-sell funding had not kept pace. The owners lacked:

A defensible, market-based valuation reference point
Alignment around exit priorities and timing
Clarity on how much insurance would be required to properly fund a buy-sell agreement

Without objective valuation data, discussions around protection planning remained theoretical. It was difficult to quantify the financial exposure each partner faced if an unexpected event occurred before the anticipated exit.

Jon needed a way to bring structure, clarity, and urgency to the conversation while reinforcing his role as the quarterback coordinating between owners, CPAs, and insurance planning.

The Solution

Jon leveraged RISR to introduce a structured valuation and exit planning process early in the engagement. After sharing a sample report to frame the opportunity, he gathered financial data and qualitative inputs from the business to generate a comprehensive valuation and insights report.

RISR enabled Jonathan to:

Establish a clear valuation range grounded in financial performance and industry benchmarks
Identify key risks impacting continuity and ownership dependency
Clarify exit priorities and expected timelines
Connect business value directly to protection and financial planning needs

By presenting the RISR report, Jon moved the conversation from abstract planning to concrete decision-making. The valuation created a defensible foundation for determining appropriate buy-sell funding levels.

With business value clarified and risks identified, the owners were able to quantify their exposure and move forward confidently with protection planning—resulting in the implementation of $6 million in buy-sell insurance coverage.

The Results

With RISR as the planning framework, Jon was able to move the conversation from general exit intent into actionable execution. Key outcomes included:

Supported the closing and underwriting of $6 million in buy-sell insurance coverage

Connected exit goals to real financial planning and protection needs