For Wealth Managers: Close Your Client's Value Gap

The size of the moment

A generation of owners is heading for the exit.

Most of them carry the bulk of their wealth in one illiquid, undiversified asset, and few have a plan for it.

76%

of Canadian small business owners plan to exit within ten years
CFIB, 2023

$2T+

in Canadian business assets could change hands in that decade
CFIB, 2023

80–90%

of owners have their financial wealth locked up in their companies
Exit Planning Institute, via CNBC

9%

have a formal, written succession plan
CFIB, 2023

The value gap

Same profit. A very different retirement.

The value gap is the difference between what a business is worth today and what it would be worth running at its best. For many owners, the sale is the retirement plan, which makes the business's value a planning assumption, and usually an untested one.

BDC describes a full business transition as taking three to five years. An advisor who joins at the closing table can help invest the proceeds. An advisor who joins five years earlier can help shape how large they are, and how much of them the client keeps.

Important: Fulkrem is not an investment or financial advisor and does not provide wealth, tax or legal advice. We build the business; you manage the wealth.

Three ways to close the gap

→ Grow the profit. Important, but slow, and every buyer discounts profit they don't believe will last.
→ Raise the multiple. Reduce the risk a buyer sees: owner dependence, weak numbers, thin management. Often the faster lever, and where Fulkrem focuses.
→ Plan the number. Know the real after-tax number, structure early and plan the proceeds. This is where you lead.

What makes a business bankable, and sellable

→ Predictable cash flow that covers the buyer's debt (DSCR)
→ Clean, documented financials that survive diligence
→ Low customer concentration and healthy working capital
→ Management depth, so value doesn't leave with the founder
→ Reduced key-person risk and clear operating systems

Where we fit

You know their money. We know their business.

The business sale is usually the largest inflow your client will ever have. But it only happens if a buyer can finance it. Fulkrem puts a coordinated team of fractional leaders (finance, operations, people, revenue) inside the business to build exactly what lenders and buyers look for.

You keep the relationship and the plan. We build the asset, report progress in plain language, and stay firmly in our lane.

Wealth Partner Program

Open the conversation about the business your client owns.

The Wealth & Personal Readiness Assessment shows a business owner where their personal plan stands beside the company that funds most of it. It goes out under your name, with Fulkrem behind it.

What your client receives

60 questions, about 30 minutes online, scored against a 430-point model and the best-prepared owners. The 25-page report ranks the gaps and sets out a 90-day plan. It includes the Fulkrem Freedom Index™, a 0–100 read on the business itself.

1 · The Number2 · Concentration & Liquidity3 · Tax & Corporate Structure4 · Estate, Insurance & Family5 · Proceeds & Life After

Why advisors use it

→ It reaches the asset you can't see. The Exit Planning Institute reports that 80–90% of an owner's financial wealth is locked in their company.
→ It surfaces the planning work. The number, liquidity, structure, estate and insurance gaps land on your desk, ranked and in the owner's own words.
→ The client stays yours. You deliver the advice. Fulkrem covers the business side only when you ask us to.

How it works

1

You send your client a private link.

2

The owner answers online in about 30 minutes.

3

You receive the report, co-branded or under your brand alone.

4

You debrief. Business gaps can go to a Fulkrem partner review.

Two ways to work with us

→ Report credits. Pay as you go, co-branded, no contract.
→ Annual licence. A set number of reports a year, onboarding, and a full white-label option under your brand alone.

Credits and licences work across both partner assessments: Wealth & Personal Readiness and Exit Planning & Transaction Readiness. Founding partner terms are available for our first partners.

Guardrails. The report is educational and diagnostic. It is not investment, tax, legal or insurance advice. You, the licensed advisor, deliver the advice, and Fulkrem never gives personal investment advice.

See it first

Get a sample report and the program sheet.

We'll send you a full sample Wealth & Personal Readiness Assessment report for a fictional client, with your logo position shown, plus the one-page program sheet with partner pricing. Or book 20 minutes and we'll walk you through it.

Book a 20-minute walkthrough ↗ Request the sample & program sheet

Mention the Wealth Partner Program in your note.

Free guide for advisors

Close the Value Gap.

A 14-page guide for wealth managers and private bankers who serve business owners: why the business is the centre of the plan, what you can see from your seat, the road to a liquidity event, and conversation starters for your owner clients. Every figure is sourced.

Get the free guide

A conversation starter

Send your owner clients the Mini Freedom Index.

Eight questions, about two minutes, and a score out of 100 on the same scale Fulkrem uses in its full assessment. It's an easy, no-pressure way to open the conversation about the business, and the results give you both something concrete to talk about.

Try the Mini Freedom Index ↗

Want a link tagged to your firm? Ask us.

Let's build value together.

Have an owner client who isn't exit-ready, or want to explore a referral partnership? Let's talk.

Book a partner walkthrough ↗

Your client's biggest asset isn't in the portfolio.