WJW ACCOUNTING
OUR SERVICES
Is your business really worth what you think it is?
When was the last time you had a proper valuation?
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Could your business survive without you?
If something happens to a shareholder, do you know
what comes next?
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Who will control your business if a shareholder passes away?
Make sure it’s you.
No obligation. Fast and confidential
Buy and sell agreements ensure business continuity by transferring ownership to surviving shareholders, partners, or members while providing heirs with the cash equivalent of the deceased’s business interest. But with the right expertise,
you can go beyond just having an agreement — you can
ensure it’s structured to maximize value and efficiency.
WHY IS A BUY-AND-SELL AGREEMENT CRUCIAL?
Certain businesses, like professional firms and incorporated companies, cannot simply transfer ownership to heirs unsuited for the role, as this may cause disputes, market value decline, and business disruption.
A buy and sell agreement, funded by buy and sell insurance, provides a solution by ensuring surviving partners can buy the deceased’s shares, securing cash for the estate and maintaining business continuity.
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MY UNIQUE VALUE PROPOSITION
As a registered accountant, tax specialist, and financial advisor, I offer a comprehensive service to simplify and optimize the process:
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​Free Share/Business Valuation:
I can perform a free indicative business valuation, fundamental to the underlying buy and sell agreement, subject to conditions.
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Free Drafting of Agreements:
I work with an experienced attorney to draft buy-and-sell agreements at no extra charge.
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Tax Efficiency Review:
I can review your ownership structure and identify opportunities to enhance tax efficiency, ensuring your agreements work
seamlessly with your broader financial and tax strategies. This review may also be included at no cost, subject to a scope and nature assessment.
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Integrated Financial Solutions:
Follow-up business valuations: I can perform business valuations in subsequent year at discounted fees.
RISKS OF NOT HAVING A BUY AND SELL INSURANCE
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Insufficient funds: Remaining partners might not have the cash to buy out the deceased partner’s shares.
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Unfair valuations: Heirs might not receive a fair price for the shares, leading to disputes or forced sales.
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Ownership disputes: Delays in estate settlements or conflicts with heirs can create uncertainty in the business.
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Business strain: Using business capital to fund the buyout can jeopardise its continuity.
BENEFITS OF WORKING WITH ME
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Comprehensive perspective: Engaging someone who understands both risk management and tax implications.
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An independent opinion: The provision of a opinion from from an independent specialist on tax efficiency.
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Advice on exit taxes: Advice on the potential exposure to estate duty and capital gains tax on date of death.
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Maximised value: My expertise in tax and ownership structures ensures the agreement delivers optimal financial outcomes for the business and its partners.
WHY A BUY AND SELL AGREEMENT MATTERS
A well-structured buy and sell agreement clarifies what happens to shares if a partner retires or passes away. Without one, shares default to the deceased partner’s estate, often leading to legal complications and unnecessary delays.
TAX AND ESTATE DUTY CONSIDERATIONS
I ensure that buy-and-sell agreements are structured to qualify for estate duty exemptions under the Estate Duty Act, reducing tax liabilities and enhancing the agreement’s overall efficiency.
Without Upfront Cost in Most Cases
Shareholder exits can trigger disputes, estate delays, and financial strain.
We offer an integrated solution including:
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Indicative business valuation
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Buy-sell agreement drafting
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Tax efficiency review for estate duty and CGT exposure
Typically offered at no cost or reduced fees, subject to the insurance policy structure and commission availability.
Why Work With Us?
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Qualified accountant, tax specialist, and financial advisor
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Independent advice, not driven by product sales
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Structuring aligned with estate duty exemption rules
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Cost often absorbed by policy commission — no surprises
Where the insurance commission is sufficient, our valuation and legal drafting services are fully covered. Where not, any shortfall is quoted in advance — transparently and without obligation.
CONCLUSION
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With my expertise and integrated approach, you’re not just getting a buy-and-sell agreement—you’re securing a seamless, tax-efficient plan tailored to your business. I handle the complexities so you can focus on what matters most: growing your business and ensuring its long-term success. Let me help you protect your business, your partners, and your legacy with a customized solution that works for everyone involved.
