Hitting your exit number is only half the battle. Between hidden lifestyle inflation, complex estate planning, and the psychological shift of leaving a business behind, defining true financial freedom requires a far deeper look than conventional advice provides.

In this episode, host Nick Carman sits down with Clear Harbor's founder, Dustin Terry, and Director of Research, Mike Zaccardi, to discuss what it really takes to determine your "freedom number." They unpack the nuances of lifestyle inflation, how to manage multi-generational wealth, and why finding an advisor who understands the unique complexities of business ownership makes all the difference when preparing for an exit.

What You’ll Learn:

  • Why founders base exit targets on thin air instead of real math.
  • How lifestyle inflation outpaces standard CPI over time.
  • Why overly conservative portfolios risk eroding generational wealth.
  • Ways to align money values with your spouse before exiting.
  • How to structure trusts and estate plans that protect heirs smoothly.
  • How to step back from operations without losing your identity.
  • Why traditional financial advice fails entrepreneurs with complex exits.

Ideas Worth Sharing:

  • “Talk to your advisor first before you make those decisions or change those plans to at least make sure you're seeing it from every angle.” - Dustin Terry
  • “The freedom number for many business owners is something that is not necessarily so much aspirational, but it can actually potentially be a distraction from what really matters.” - Mike Zaccardi
  • “Money is just the tool to help you reach your dreams and goals. Pay attention to what's going on, make sure you have a team around you that's managing that well, but don't be so fixated on it to the point where it consumes you and that wealth becomes your identity.” - Dustin Terry

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Disclaimer: Founder's Fortune is intended for informational and educational purposes only. The opinions expressed by the hosts and guests are their own and do not necessarily reflect those of Clear Harbor Wealth Management.
 

Nothing discussed on this podcast should be considered investment, legal, tax, or financial advice. All investing involves risk, and listeners should consult their own professional advisors before making financial decisions.

 

Transcript:

You built a company, you carried the risk. But when it comes to your wealth, your exit, and your retirement, who's helping you? 

Welcome to Founder's Fortune: How Entrepreneurs Build Wealth, Freedom, and a Lasting Impact. I'm your host and small business expert, Nick Carman. 

Each episode, I sit down with our founder, Dustin Terry, and Mike Zaccardi, our director of research, to explore how founders transform business success into enduring wealth. 

Let's get started.

Nick Carman: So last time that we talked, we really dug deep into retirement as a whole, but I wanted to spend some more time diving even deeper. Really wanna get specific, and, the hope is that we can talk a little bit more about that freedom number and what's different about our listener, right? The entrepreneur business owner, and really why business owners can get that number wrong.

I think that most founders have a number in their head, but I wonder how often that number is actual financial planning, or if it's ego, or it's a comparison to a peer that sold a similar type of business. So Dustin, I wanna start with you a little bit and know when an owner client comes in, and they say, "I need $10 million to be free," where are you challenging them?

Dustin Terry: First and foremost is just, like, where did you get that number? And to your point, they've usually pulled it out of thin air. There's really been no planning or thoughtfulness to it. It's just, "Hey, Joe that I know runs a similar business. He just sold for $10 million, and so we need to get at least 10 for ours because our business is better than Joe's."

And then, put that aside. Okay, there's a lot of stuff there in terms of what the business might be worth and all that, but that is generally something along those lines. Tey have some kind of generic number that they've come up with no real thoughtfulness behind how much they actually need.

They just have an idea of a number that sounds nice. 

Nick Carman: Yeah. Yeah. And how often are we seeing where they don't even realize their business is worth something? 

Dustin Terry: Yeah, I mean, that's happened a few times. You talk to some folks that are maybe a little further out from retirement, but they start getting...

Generally, from what I've seen, you get to 10 years out, that's when people start feeling it, and then they're saying, "Okay, we need to start planning for retirement." And so they want to start talking about saving, investing, how much they've got in their 401(k), all these things, and then you start the conversation, "Well, how much is the business worth?"

And there's been several of those conversations. "Well, I don't think anybody could buy it, right? It's just us or us and a few key employees." And you start digging a little deeper, and you find out, okay, this thing might be worth $3 million or $4 million. You were just gonna shut it down. I think let's focus on that value of that business a little bit.

Nick Carman: Yeah, that's great. Mike, when we're looking at these freedom numbers and what we need to get to, how much are we talking about inflation? Not just the inflation of the economy, which we know is a big deal, but also the inflation of lifestyle. As people get into retirement, they actually seem to be spending more sometimes, especially an entrepreneur.

They have bigger goals. So what does that look like on the market? 

Mike Zaccardi: Yeah. I mean, there's a lot of factors with inflation. Like you said, there's a macro inflation, there's personal lifestyle inflation, and there's inflation with your hopes and dreams part of it, too. So it's not always in the moment, but what you really anticipate the money being used for.

And those things are just so, so sensitive to the inputs. So when it comes to, we're talking about a freedom number, that can be very difficult to pin down, and even when you do it's going to change. It's like any forecast. The one thing you know about a forecast is it's going to be wrong.

It's just a matter of how wrong it is and what the risk is. So I think for business owners, and I guess this applies to everyone, in retirement you generally have this period where you spend quite a bit early on, and it kind of troughs toward middle retirement and ratchets up toward late.

That's the spending we like to talk about in financial planning. That's kind of the colloquial version of it. For business owners, it can just be so wildly different than that because, if they do have something else they want to do, their business, that could require a large capital outlay, and then that gets us into the discussion of finance that in other ways that don't just come from your nest egg, obviously.

So there's a lot more variables when it comes to a founder's version of this whole thing that we call financial planning and cash flow planning. And then you have to consider what your spouse's situation looks like if you're married, what you want to do with your generational wealth.

So it requires a lot more than just reaching a number and then making it there. You really have to go through it with a lot of questions, if and then kind of things. So this can be very complex. At the same time, though, it can be a really exciting thing. When you think complexity, you think that can be a challenge and a lot to overcome and stress, but it doesn't have to be that.

I mean, most times we're talking with successful business owners. These are fun conversations. It's like we're talking about what you want to do. What are your priorities with what you've worked so hard for? So while the decisions are incredibly important, they're also I think extremely exciting when it comes to all that could be with those decisions.

Dustin Terry: I'd say, to your point about lifestyle inflation, sometimes we see folks go a little hog wild in their first couple years of retirement. And they have this pot of money now, and they're free to go and do, and so they'll go and travel, and they'll buy an RV, and they'll buy a boat.

And so, that's fine. It's what you worked and saved your whole life for, but to your point about the lifestyle inflation, I think that's important. Is that going to be a part of your goal? And you need to be having those conversations before the exit, before the liquidity event, to understand: is this sum of money, while it feels like a lot right now and I know we talked about inflation and all that in the last episode, it's gotta last you.

It's gotta last you for 30-plus years in most cases. 

Nick Carman: Yeah, and I know that we do a really good job in understanding that, kind of initial heavy spending. We do a lot of work to identify what are those big-ticket purchases that you're looking to make right after this liquidity event?

But how often are you surprised, and something comes out of the woodwork, and all of a sudden there's another vacation house, or it's a much bigger boat? 

Dustin Terry: Yeah, I mean, it's... But look, we say that planning is a process, not a one-time event, right? So those things happen, and Jerry, who we had on last week, always says, "I can what if the tar out of this scenario."

And so we can look at all that. It's just we always like, let’s talk about it first. 'Cause we might have some options, right? To my point, right, there might be some financing options, lines of credit, different things we can look at that, because we're looking at scenarios like this all the time.

Talk to your advisor first before you make those decisions or change those plans to at least make sure you're seeing it from every angle. 

Nick Carman: Yeah, and there might even be some tax benefits for doing it right after the sale. There might be tax benefits of spreading it out.

And so if we can see how that fits into the plan, we know it's a goal, so let's start there. But we can kind of work backwards and identify how we can minim- minimize taxes, minimize the spend on it. I want to get back to Mike. You had brought up spouses, and I'm really interested to kind of dig in a little bit around what happens when a spouse when their vision of retirement is different than the founder, right?

And I feel like sometimes the thought is, "Oh, I'm gonna get my entrepreneur spouse back." That doesn't always happen, so I want to kind of dig in a little bit with that. 

Mike Zaccardi: Yeah, it's a team effort, that's for sure, when it comes to planning for retirement, and it's one of those so new at first. It can be something that seems quite a hurdle to do this best together, but that's where the planning comes in ahead of time, and just laying out what are your money values.

I think the term goals can be also intimidating. When you kind of frame it more as your values about money, that can, I think, open up conversations that really dig into kind of the why behind all this wealth, and from there you can really determine goals between the two spouses.

So yeah, it's not something you want to just jump into retirement without having gone through detailed quantitative and qualitative planning on that front. But I think in general, the business owners who have gotten to that point, most of them have kind of gotten on the same page with their spouse on where their priorities with wealth go.

So yeah, I don't think too many are blindsided by it, but at the same time, it can be an easy conversation to defer as you're a business owner leading up to retirement. You can be focused on just getting there, but once you're actually there, these are conversations you've hopefully already had.

Dustin Terry: Yeah, and a lot of times that involves the role of a good advisor. As Mike said in the last episode, sometimes we play counselor in that aspect and that is very true and we encourage, we have to tell clients "Look, if you don't want to talk about this with us right here, right now, put some time on the calendar where the two of you go get a bottle of wine, put some time on the calendar and do..."

Because I know what their lives are like. They're they're like, "Yes, we're gonna talk about it," and then they go out of that meeting, and then they go back to their busy lives, their busy schedules and the conversation never happens. 

So we just say, "Look, put some time on the calendar. Whatever it is that you guys do and you enjoy doing together, go do that, and then have these conversations, and we can send you a list of questions to answer together if that's helpful, but just have the conversation," because, some of the biggest points of contention are just things that weren't communicated well when it comes to retirement plans between spouses.

"I thought we were gonna do this." "Well, I thought we were gonna do that." Well, if you would've talked about it, you both would've known what you thought. 

Nick Carman: Yeah, and I guess, what I kind of wanted to get into a little bit is also just the, the mental and emotional change that happens.

You've got a founder that is used to the grind; they're used to the scoreboard, they're used to winning, and they work really hard, and I think it kind of mirrors that empty-nester type relationship when you then end up selling your business, right? A lot of your identity is in that, and so it's like you have another kid in the house.

And so all the other kids have probably long since got out of high school. But now you've got this business kid that you're about to sell, and I think it's really important that advisors are having conversations about what are you retiring to, and make sure that the relationship is a part of that, right?

We want to make sure that people are having really healthy retirements, and that includes their personal lives and their relationships that they have. And just making sure that everybody's on the same page, not just financially, but also on the same page of how we're spending our time and what our identity is after that.

And then, Mike, you had touched very briefly on this, but I think it bears repeating and kind of digging into. Our last episode, we really didn't get into generational wealth, and when we think about the types of businesses that we have clients selling right now, there is definitely conversations that need to be had about how we keep that wealth growing into the next generation.

Dustin, you want to take that a little bit? 

Dustin Terry: Yeah. I touched on this in the last episode. We touch on it in the book. It is something that I pound the table on is preserving purchasing power. There's a couple things I've been pounding the table on for a few years. One is that we thought inflation was gonna be higher than anyone really expected because of the millennial generation moving into their peak earnings years.

And secondly is that we thought equity prices were gonna kinda follow that trend for that reason. But thinking more long-term here in terms of the inflation story, the reason this is so impactful is just because of, of how inflation erodes purchasing power through time.

Last episode we said—and I went and got some specific examples here 'cause I really wanted to think about this and have our listeners think about it a little differently. Okay, Fed's targeting a 2% inflation rate. Okay, great. We generally use 3% in our planning data, but the things that our clients spend money on tend to have a higher inflation rate, right?

So I said, "Okay, what are some things that our clients like to do?" They like to travel, so I looked at some hotels and lodging from the BLS data. And Mike, I know Mike's our data scientist here, so he can go check this and make sure I got all the data correct. Okay, what else do they like to do?

They like to go out to nice dinners. Food away from home. Looked at that one. And then also motor vehicle insurance just to... 'Cause that's kind of a proxy for automobiles. Our clients tend to have nicer vehicles. So the last 10 years, I went and looked at each of those and just said, over a 10-year period, what was the inflation rate on those items?

Now, these are for our math folks, like Mike, these are simple averages. They're not geometric averages and compounded through time. So I just went back, looked at 10 years of data and did a simple average. Hotels and lodging averaged 6.7% over the last 10 years. Food away from home, about 13% inflation. Motor vehicle insurance, about 8% inflation. So as you can see, look, I said last time, at a 3% inflation rate, the value of your dollar gets cut in half in 24 years, right? 

You might invest safely. You might put all your money in bonds, CDEs, whatever, live off that interest, but that interest will be buying you less and less goods and services every year because of inflation.

So, when you think about lasting 30 years through retirement. And in 24 years, those everyday things are going to double. But the other stuff that you spend money on are going to go up at a faster clip. They're gonna double in price quicker, right? Go back to that rule of 72.

72 divided by the rate of return gets you how long it takes for your money to double. We just do that backwards for the inflation rate, and so that's where we got that 24 years for a 3% inflation rate. But if you just look at a 5% inflation rate, that everything doubles in 14 and a half years. And those items we just looked at obviously were inflating faster than that over the last decade.

Now, I know a lot of people listening might say, "Okay, yeah, but that's got the COVID inflation in there, and that was a one-off thing." Headline inflation over that same 10-year period with the same simple average methodology was at 3.98%. So you can see that those items that our clients are going to want to spend money on are going to go up at a faster rate than just your general CPI.

Now, back to your... That was a long-winded way of getting to your question about generational wealth. We're talking about a retirement period here. This was over 10 years. Look out 30 years end of retirement. You're talking about multi-generational wealth, 50, 100 years. What is the value of that dollar going to do over that period of time?

So you have to invest not only to grow your wealth through time, but just to maintain your level of wealth. 

Nick Carman: That’s probably the scariest thing, right? You worked your whole life, you sold your business for significant money, and by the end of your life, as you're nearing that time, you're running out.

And so that thing that you really built, you talk to business owners, and they're talking about building wealth for their family, leaving their children better off than they were, especially if you have first-generation entrepreneur and then they have nothing to leave behind, right?

Because the advice that they got was, kind of the conventional, conservative advice. And so I want to talk about that. I want to talk about, in our industry, it's not common that investment advisors are niched to business owners and entrepreneurs. So I want to talk about how that advice kind of breaks down when we are looking at someone that's got a large liquidity event, they've got a business exit, they've got multiple ventures, that kind of thing.

Dustin Terry: There's just many more moving parts, right? You've got the retirement plan portion of it, another, another piece, asset protection. Once that business is gone and income is no longer, how are those assets titled? How's everything structured?

If there's some kind of lawsuit or something that comes from the business at some point in time from prior actions of the business. So those are things that have to be thought about. Estate planning, as we just discussed, for generational wealth, folks that they're pretty certain they will not spend down their assets.

Family dynamics. I talk about that generational wealth aspect. How are you going to leave that money towards next generations? Are you gonna let them have it right away when you pass? Because in some instances, we might be talking about 20-year-olds inheriting millions of dollars. I know that wouldn't have been a good thing for me when I was in my 20s, and I assume probably not for most folks.

Nick Carman: I think I would've been just fine. 

Dustin Terry: Yeah. So there's just many more things to think about in that scenario than just someone who’s… they got an IRA, a couple IRAs, and a taxable brokerage account, and they'll likely live off Social Security. It's just much more complex, and there's many more pieces to the puzzle.

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Hey, quick pause before we continue. If you're thinking about your next chapter, whether that's growth, transition, or retirement, we created the Founder's Fortune Assessment to help you evaluate your current strategy.

It's designed to uncover blind spots, identify opportunities, and give you a clearer picture of your financial planning and investment approach. To begin, visit foundersfortune.net or use the link in the show notes. Now, let's get back to the conversation.

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Nick Carman: I also think about, you talked about, how you leave the money, but also when the estate planning is not done well, who's coming out of the woodwork and trying to make claim on those assets that business owner retiree has never really intended on?

And, you think about the people that win the lottery and end up worse off after than they ever were before, and part of it is because people just keep coming out of the woodwork and asking for handouts, and on a small scale, I think that the same thing happens here when it's not planned out well, right?

You have a large liquidity event. A lot of times it's not a secret that they made good money on it, and it's easy to, "Well, we'll just help them out a little bit," and that helping out a little bit ends up being the proverbial open hand, right?

Dustin Terry: For sure. Yeah, I mean, that's another thing to talk about: expectations and conversations.

Back to those family dynamics, do you intend to leave your money to your kids, grandkids in some sort of staggered format where they only get it every few years? Maybe there's some stipulations in the trust that says they only get it if they're gainfully employed, things of that nature.

In my opinion, I think you want to have those conversations with your family beforehand just so everyone knows what the expectations are and how that wealth is going to be transferred through time. A couple of the estate planning attorneys that we work with are also very big on privacy, so they'll want to structure some entities in states where you can just file as a registered agent.

No one can really find out who the owner of specific real estate or other assets are. So that is case-dependent. But those are all things that, like I said, you just got to think about in these scenarios that if you're not dealing with these situations regularly it's not gonna cross your mind.

Mike Zaccardi: Yeah, Dustin, on that point, so if, in your shoes, if we're talking with a business owner, five, 10 years from potentially selling, I mean, they might be, what? I mean, 50 years old. I mean, those could be planning items that last decades. I mean, if they're 50 now, they might still have that same sort of conversation, who knows, when they're 90.

So how does that conversation morph or evolve over the years in your experience? Where you're having that initially before the exit, but then maybe you're dealing with a founder who sold their primary business 20 years ago, and it's only now that we're starting to get to the more, maybe somber estate planning issues?

'Cause I feel like those are almost two types of conversations. You have the sort of the initial one when they're still running the business, but then the more granular one as they're getting closer to, frankly, end of life. 

Dustin Terry: Yeah, I mean, that's just the nature of the beast, right?

It's, as we said planning doesn't, isn't static, and I mean, things change. Things change a lot, right? Relationships and families change, marriages dissolve, unfortunately, right? We set these plans up, and then there's divorce. 

And so that's what those are just things that, where it's always so important to have a centralized advisor that understands everything that's going on in that scenario because, well, in the very, I hate to get in, like you said, into these somber situations, but a, a child passes away, okay, well, that, that child was your executor or your successor trustee, are you in that moment when you're dealing with that very tragic event, are you thinking about all those things that need to get done in your personal estate plan? 

Probably not, right? But if you're working with an advisor who understands everything about your financial life and understands, okay, we have this entire estate plan mapped out here, and unfortunately this person is no longer here, we need to have a conversation about who your successor trustee is now.

So it just comes to working with a team, a consistent team through time that knows the family very intimately. 

Nick Carman: So important what you were just talking about, and what it gives people is, peace of mind. I was just talking to a neighbor of ours, and her husband had just passed away, and, she was kind of talking about things around the funeral planning that she had kind of just missed, and it reminded me that, when we went with my mom to go and handle the funeral plans, she kind of stepped back and was like, "I can't make any decisions right now."

Right? And that's relatively small in the grand scheme of rest of life plans. But I think that when there's trauma that's happening, or there's a death in the family having that peace of mind that you have a team of people that are gonna look out for you and make sure that these things are handled so that you can grieve and be mentally, emotionally taken care of.

Mike Zaccardi: No, I think just in the conversation, when it comes to your freedom number, it's almost like that's not the point. For most business owners, they're at their number. They're good there. But it's all the things underneath and above that number. I mean, so you can almost visualize your number as this umbrella, but underneath so much havoc can go on.

But then also, the sun rays can then shine through the umbrella, too. So, so much good can happen of it as well. So when it comes to Joe, a nine-to-five worker for four years, maybe he has that number that he is striving for; he listens to Suze Orman, and this is his number.

Okay, that's fine. But for the business owner, you can wipe away that, your number piece of it, and actually get down to, what are the risks and opportunities with your actual retirement. So it's almost like the freedom number for many business owners is something that is not necessarily so much aspirational, but it can actually potentially be a distraction into what really matters, and that's where I think the advisor comes along, and that's where their value is to keep you on that point so where, so your number stays relevant for what you actually want it to do.

Dustin Terry: Yeah, that's a great point, Mike, about it being a distraction and we've seen that with clients in the past too that, that are in great shape, and then the business was the identity, and then they unfortunately in some scenarios try to make their wealth their identity, and so then that is all they focus on.

So every minutia market-moving event, they wanna think about how that's impacting them and their wealth and their "number". And that's when, things can get squirrely because money is just the tool, right? It's the tool to help you reach your dreams and goals, and if you're reaching all those, great.

And yeah, you need to be prudent, pay attention to what's going on, make sure you have a team around you that's managing that well, but also not just be so fixated on it to the point of where it consumes you, and that wealth then becomes your identity. And then all of a sudden we have a tariff tantrum, and even though we know that you are perfectly fine and your family after you is perfectly fine, that it then consumes you to the point where you are having an emotional reaction; yeah, that becomes quite an issue.

Nick Carman: And do you think that owners are chasing a specific number, and doesn't matter what that number is, it's never really gonna make them feel secure? 

Dustin Terry: I mean, the ones that are chasing the number will never be big enough. The ones that get it, they know that they're fine and as long as their plan is prudent and the investments are prudent, they're okay with that.

But the ones that are always looking for the next comma tend to not be the happiest in our experience. 

Nick Carman: I wanna end with challenging the idea that the goal is to stop working, right? The idea of retirement and then you do nothing in retirement, I think it's a fairly recent change in culture, right? Thinking like the last 100 years recent. 

And I think that there's something innate in us that needs to keep moving and keep working and keep striving. So for the entrepreneur that they have work that gave them purpose, they had pressure to perform, they had the grind, they had the, scoreboard up on the wall, when that disappears overnight, what are they actually retiring into, is the idea of more golf and travel, around here it's probably more fishing, is that real or do we need to get a little bit deeper there? 

Mike Zaccardi: Yeah. So I mean, it's a personality thing. I mean, some people are just happy as clams to be playing golf and collecting seashells in retirement.

Other folks think they'll be that way, and they get there, and it's real shock to the system. Other people know that, yeah, they're just not that way. They're not wired to just kick back and go from 100 miles an hour down to nothing. It’s figuring out, step one is figuring out a person is, and that's where conversations are so important.

So, I think first things first is figuring out kind of which bucket are you in with that. And things you can do that are kind of entrepreneurial adjacent with business owners, things like rotary clubs and the local business groups and the chamber of commerce kind of activities, things like that, which are very popular.

You can start teaching on the side too, universities and colleges and that kind of thing, and that can be kind of your transitional phase to full-blown retirement, which may not start till you're 80 years old, and you may be happy with that. So it just comes down to the individual, I think.

And, I mean, to your point, certainly stopping at 65 and doing nothing does not work for a chunk of the population, but for some people it does. 

Nick Carman: So if we're gonna leave, we're about at time here. So if we're gonna leave our listeners with some actionable takeaways, what are some of the items that they should be reviewing in if they're working with a wealth advisor now, some of the questions that they can be asking to make sure they're set up well for that exit?

And if they're not working with an advisor, what are they looking for to make sure that business exit is done in the right way? 

Dustin Terry: Yeah. I mean, if they're not talking with their advisor about the business and the value of the business, I think that's gonna be problem number one in our mind, right?

Obviously that's our niche and who we work with, and so that, that's something that we think is really important. So if all you're talking to your advisor about is your stock bond allocations and things of that nature, maybe it's time to reevaluate that relationship.

So yeah, that's first is just knowing where your business fits into your overall financial plan, and if you haven't incorporated it into your overall financial plan, find somebody that can help you do that.

And it doesn't have to be us, right? That's not a pitch. There's a lot of great financial planners out there that will work with business owners, that specialize with business owners, so find someone that does. You just go to your traditional financial advisors at the big box firms.

They're gonna be quite frankly, in a box, right? They're going to be very cookie-cutter in their advice and what they can talk about and the processes they use. Find someone or a team of people that specialize in working with entrepreneurs and how their business and all, everything surrounding it ties into their retirement picture, because it is, in most cases, their largest component of their wealth.

And to not be having conversations about how that fits in, if you're within five to 10 years of exiting the business and you're not having a conversation about how that business fits into your plan, you are missing the boat. 

Nick Carman: Well, thank you, guys. I think that this was fantastic. We have some really great takeaways for our listeners.

I can't wait to talk to you guys some more. We've got a bunch of fantastic episodes planned. We have some great guests that are coming up, so looking forward to it. We'll be chatting very soon. Thank you. 

Dustin Terry: Sounds good. Thanks. Thanks, guys.

We hope you enjoyed this episode of Founder's Fortune. You can get your copy of the book on Amazon or through our website, clearharborwealth.com. If today's episode gave you a new perspective on your business, your investments, or your long-term wealth strategy, the next step is gaining clarity, and our firm can help.

Clear Harbor Wealth Management is a registered investment advisor that specializes in serving entrepreneur business owners. You can schedule an intro call with our team today by calling 850-424-8795 or by emailing info@clearharborwealth.com. 

We can't wait to hear from you.

Founder's Fortune is intended for informational and educational purposes only. The opinions expressed by the hosts and guests are their own and do not necessarily reflect those of Clear Harbor Wealth Management.

Nothing discussed on this podcast should be considered investment, legal, tax, or financial advice. All investing involves risk, and listeners should consult their own professional advisors before making financial decisions.