EP 5: Is Your Business Exit Plan Enough To Afford Your Retirement? Mind the Wealth Gap

How to Calculate Your Wealth Gap and Retire on Your Terms

If you sold your business tomorrow, would it fund your retirement? In this episode of Retirement Planning Simplified, Joe Curry breaks down how to calculate your “wealth gap”, the difference between what you need for financial independence and what you already have saved outside your business and home.

You’ll learn why this number is the foundation for both retirement and exit planning, how to use the 4% rule for back-of-the-napkin math, and what business owners can do today to close that gap and retire with confidence.

Here’s what you’re in for:

00:00 The Big Question About Retirement
01:50 Calculating Your Wealth Gap
02:07 Retirement Lifestyle Goals
02:52 Income from Investments: The 4% Rule
03:33 Considering Taxes in Your Wealth Gap
03:57 Assets and the Wealth Gap
04:45 Closing the Wealth Gap with Your Business
05:12 Financial Independence vs. Retirement
05:31 Reverse Engineering Your Business Sale
06:56 Example Walkthrough
08:13 The Importance of Early Exit Planning
09:50 Conclusion: Bridging Business and Retirement       

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ABOUT JOE  CURRY

Joe Curry is the host of Business and Exit Planning Simplified and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled.

You can reach out to Joe through:

LinkedIn: https://www.linkedin.com/in/curryjoe

Website: https://www.retirementplanningsimplified.ca/

  https://www.facebook.com/RetirementPlanningSimplified/

               https://matthewsandassociates.ca/ 

ABOUT BUSINESS AND EXIT PLANNING SIMPLIFIED

The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose.

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Disclaimer:

Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.