Keep/Sell Analysis: Sell Scenario — Team Cocco Financial Planning

Purpose: Model what happens financially if you sell the business. Calculate after-tax proceeds, project investment returns from the sale, and compare the resulting income stream to what the business currently provides. Includes lifestyle and emotional factors to consider.

Sale Parameters

Sale Price & Tax Impact

Estimated Sale Price ($)

Tax Basis / Cost Basis ($)

Capital Gains Tax Rate (%)

Earn-Out Terms

Cash at Closing (%)

Earn-Out Period (Years)

Seller Note Interest Rate (%)

Reinvestment Strategy

Expected Return on Invested Proceeds (%)

Annual Income Withdrawal Rate (%)

Projection Period (Years)

Current Business Income (for Comparison)

Current Annual Business Income ($)

Expected Income Growth Rate (%)

Gross Sale Price

Before taxes

Capital Gains Tax

23.8%

After-Tax Proceeds

Available to invest

Annual Income from Proceeds

at 4% withdrawal

Wealth Trajectory After Sale

Investment of Proceeds Projection

Year	Portfolio Value	Growth	Withdrawal	Year-End Balance	Cumulative Income	Business Income (If Kept)

Emotional & Lifestyle Factors Checklist

Consider these non-financial factors when evaluating the sell decision. Click to check off items you've considered.