Funded Buy-Sell
Liquidity on the day it is needed — not a negotiation with a grieving spouse.
A handshake is not a buy-sell. A key person walking out is not a theory. We design the agreement, the funding, and the retention so the business does not become a family dispute — or a fire sale.
A buy-sell that is not funded is a suggestion. Surviving owners scramble. Families inherit a job they never wanted.
Banks notice. Customers notice. Payroll does not pause while you recruit.
Split-dollar, bonus plans, key person — those are tools. The job is continuity, tax efficiency, and keeping the people you cannot replace. We start there.
Unbridled Enterprise is the business conversation inside Unbridled. We sit with your CPA and attorney so the agreement, the tax, and the funding are the same plan.
Insurance is one instrument. If the right move is an agreement rewrite and a different chassis, we will say so.
Who owns what. Who the business cannot lose. What happens on death, disability, divorce, or a walk-away — on paper today.
Cross-purchase, entity redemption, or hybrid. Key person. Retention that is actually a reason to stay. Tax with your CPA, not after the fact.
Underwriting, agreements, valuations that do not go stale. A buy-sell from 2014 is how families end up in court.
Surviving owners have the cash to buy. Families are paid, not installed. The people you need have a reason to stay that is not a speech.
Liquidity on the day it is needed — not a negotiation with a grieving spouse.
Time and cash to hire, to stabilize revenue, to keep the bank comfortable.
Split-dollar and deferred comp as tax-efficient handcuffs — not a brochure.
If the buy-sell is unfunded, the widow becomes your partner. If the valuation is a decade old, you fight about the number while the company stalls. If the rainmaker is uninsured, the bank and the customers both leave.
If the story is bigger than the agreement, you own a pitch. We will not do that.
You can ask what we make. We will tell you. A contract built for the business outcome is not always the contract with the fattest first-year commission.
Start here when the problem is the business. If the need is personal capital, an estate, or a retirement paycheck, the rest of Unbridled is the same people.
When the job is capital that grows and stays usable.
Open →When the estate is large enough that the premium itself should be financed.
Open →When the job of the money is a paycheck you cannot outlive.
Open →