Liquidity event planner
The valuation tells you what the business is worth. This tells you what the money becomes. Allocate proceeds across your own goals — homes, family, causes, an investment engine — then stress-test whether the life you want survives a bad market. Everything is editable and saves privately to your device.
LIQUIDITY EVENT PLANNER
Life after the sale
GROSS EVENT$5.00M
→DEPLOYABLE$3.25M
→ENGINE$1.14M
→NET / MO$2,844
→BURN / MO$10,000
→SURPLUS / MO-$7,156
01The liquidity event
Gross event size$
Taxes + transaction friction35%
Federal + state capital gains, advisor and legal fees, escrows. Exit structure (QSBS eligibility, installment sales, opportunity zones) can move this meaningfully — every point clawed back is $50K. Talk to a tax advisor before you sign.
$3.25M deployable$1.75M to friction
02Where the money goes
100.0%
Investment engine35.0%$1.14M
Real estate30.0%$975K
Family gifts10.0%$325K
Taxes & reserves10.0%$325K
Charitable giving5.0%$163K
Private investments5.0%$163K
One-time purchases3.0%$98K
Passion projects2.0%$65K
Real estate bucket
SHORT $525K
need $1.50M / have $975K
Reserves (25× property tax)
SHORT $88K
need $413K / have $325K
Family gifts
FUNDED · $75K spare
need $250K / have $325K
Charity endowment (25× annual giving)
SHORT $1.09M
need $1.25M / have $163K
One-time purchases
SHORT $3K
need $100K / have $98K
03The investment engine · $1.14M
Illustrative long-run assumptions per sleeve (editable weights). The mix below prices at 8.2% expected return with a 4% sustainable withdrawal rate applied for spending — expected return compounds the engine, the withdrawal rate funds your life.
Global equity core28.0%
$319K · 7.0% assumed
Factor tilt8.0%
$91K · 7.8% assumed
EM equity6.0%
$68K · 8.5% assumed
Buyout + growth PE12.0%
$137K · 10.5% assumed
Venture capital6.0%
$68K · 12.0% assumed
Private credit8.0%
$91K · 9.0% assumed
Private real estate6.0%
$68K · 8.0% assumed
Infrastructure5.0%
$57K · 8.0% assumed
Managed futures7.0%
$80K · 6.0% assumed
Macro / multi-strat4.0%
$46K · 6.5% assumed
Digital assets4.0%
$46K · 15.0% assumed
Long TIPS3.0%
$34K · 4.5% assumed
T-bills / cash3.0%
$34K · 4.0% assumed
Engine allocated
100.0%
Expected return
8.2%
Income yield
2.1%
Illiquid share
37%
2008-style shock
-34%
04The lifestyle cockpit
Withdrawal rate4%Income tax25%
$
$
$
$
$
$
$
$
Lifestyle coverage ratio
0.28x
$2,844/mo sustainable net income vs $10,000/mo burn
Crash test: 2008-style shock hits the engine
0.19x coverage
Engine falls to $746K, income to $1,864/mo. Lifestyle exceeds crashed income. Add ballast (TIPS, cash) or trim burn.
Monthly surplus, auto-reinvested
-$7,156
05Properties, family, causes, splurges
PROPERTIES
$$16,500/yr tax
$$0/yr tax
Total $1.50MReserve need (25×): $413K
FAMILY GIFTS
$
Total $250K · gift & estate tax rules apply above the annual exclusion — coordinate with an estate attorney.
GIVING + ONE-TIME PURCHASES
Annual charitable giving$
Endowment sizing: $1.25M set aside funds this at a 4.0% draw in perpetuity. A donor-advised fund at exit can also front-load the deduction into your high-income year.
$
0630-year trajectory of the engine
$2.11M at year 30The engine compounds at its expected return with the monthly lifestyle surplus reinvested (or deficit withdrawn). Spending is funded at the sustainable withdrawal rate — not the full expected return — because average returns are not guaranteed returns. All return, shock, yield, and tax figures on this page are rough illustrative assumptions for a planning conversation. Nothing here is investment, tax, or legal advice, a forecast, or an offer of any security. Before a real liquidity event, build this plan with a fiduciary advisor, a CPA, and an estate attorney. Your plan saves to this device only.