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Generational Wealth Security - Assuring Your Legacy

Writer's picture: Jason KohlJason Kohl



Understanding Generational Wealth


The term “Generational Wealth” refers to financial assets passed down from one generation of a family to another.  From a CEO perspective, the driving force would be to maximize business value and if there’s no family member taking over, then optimize the proceeds of a sale.  Managing enterprise value, a commercial real estate portfolio and any other assets in play are critically important to provide financial security, opportunities, and a head start for future generations.


Many business owners say “my business is my retirement plan”, which is true as long as they are creating earnings to save or invest and/or building value that can be realized in the future.  Generational Wealth is the ‘long-game’ that extends beyond mere financial stability. It allows families to:


  • Provide security, educational and financial, passed down for future generations

  • Enable risk-taking, such as starting businesses or pursuing passions

  • Facilitate charitable giving or philanthropy

  • Create long-term financial stability and growth potential


The Psychology of Generational Wealth Security

Generational wealth security goes beyond simply accumulating assets. Having this security provides a CEO with the peace of mind that comes from knowing your family's financial future is protected. This peace of mind is priceless, and is rooted in:


  • Legacy:  Promise of extending impact beyond one’s lifetime

  • Financial stability across generations

  • The ability to thrive and survive the economic ups and downs.

  • Freedom to pursue personal & professional goals without financial constraints or anxiety


A CEO at the helm of a small to mid-sized enterprise has worked hard to make a vision, reality.  For SME CEOs, generational wealth security is not just about personal success, but about “locking in” a lasting impact that benefits their family and potentially their community for years to come.


Building and Protecting Generational Wealth: Strategies for Entrepreneurs

Entrepreneurial spirit, discipline, a great team and little luck are important ingredients resulting in Generational Wealth.  What are the strategies, best practices and habits of business owners driven to create and protect Generational Wealth and their legacy?


1. Business Growth and Valuation: This is a topic that would take volumes to cover but when a business owner and their team are able to innovate and anticipate conditions ahead, enterprise value can grow steadily over time.  Optimized value leaves the CEO with flexibility for succession, proper funding and exit strategies.

2. Diversification: A sound strategy that seems self-evident, would be to not put “all your eggs in one basket”.  Many business owners find themselves in a world where their entire wealth exists solely within their business.  Fixing this condition over time can lead to well-diversified net worth and secure Generational Wealth.  A business owner can invest in real estate or even buy the building housing their business as one way to diversify into other asset classes.

3. Real Estate Investment: Some business owners are able to buy the building for their business and replace their rent as a wonderful way to stabilize cash flow and secure long term wealth.  A business can buy their building with as little as 5% down and retain investment reserves for other business purposes with a higher ROI.

4. Financial Education: Some family owned businesses groom their kids to take over someday.  Providing the skills and acumen needed at an early age may be a great idea to assure solid Generational Wealth.  

5. Strategic Business Planning: Develop comprehensive business and strategic plans geared towards long-term growth and sustainability.  Leverage your management team and your trusted advisors to help design reasonable strategies, implement and stay on track.  

6. Your Board of Advisors: Working with trusted advisors like a CPA or attorney is commonplace, however most business owners never set up a formal Board of Advisors to draw on the entire teams’’ lifetime experience to accelerate success.   Whether your business just started or it’s in the 3rd generation, or especially if you plan to exit in 5 years, a CEOs must surround themselves with a trusted team to help make decisions and take action.  A robust “Board of Advisors” can be a critical discipline that sets you apart from the competition.


Protecting Generational Wealth: Jason Kohl's Approach

Preserving generational wealth requires a multi-faceted approach. Here's how Jason Kohl and his team can assist CEOs in this critical ambition:


Optimized Capital Structure: Jason helps Small & Mid-sized Enterprise structure their business capital efficiently to ease cash flow “pain”, setting the stage for increased enterprise value over time.  Putting the right debt in place is very important for short-term and long-term operations.

SBA Lending Expertise: SBA loan programs play a major role for companies to access capital across the US.  We help navigate the complexities and put the most favorable loans in place to properly fund growth.  SBA loans can be used for any business purpose including Business Acquisition, ESOPs, Commercial Real Estate or simply getting rid of high cost debt.

Strategic Advisory & Transformation: As a virtual Chief Strategy & Transformation Officer, Jason provides ongoing guidance to form plans, make decisions, and take action.  We align with a CEO’s vision to build Generational Wealth and increase long-term enterprise value.

Real Estate Advisory: Jason's holds his CCIM designation and he’s able to help CEOs evaluate real estate investments and make informed decisions about buying, selling, or relocating.  

“Curated Board of Advisors”:  We can carefully assemble a team that will deliver fresh ideas and unique insights and bolster strategic decision-making.  Having a robust Board of Advisors can set a company apart from the competition.

Wealth Protection Strategies: Our extended team of professionals help implement asset protection strategies like proper corporate structures, trusts, strategic use of insurance, accounting or any M&A legal needs


It's Time to Secure Your Legacy

Decisions made today by any business owner not only shape the company’s future but also their family’s future.  The path to generational wealth security requires strategic planning, expert guidance, and a long-term perspective.


What’s driving your actions today?


1. Legacy Building: Your efforts today can provide financial security for generations to come. Build your team to anticipate what's coming in this fast-changing world.

2. Risk Mitigation: Proper planning can protect your wealth from market volatility, legal liabilities, and other threats.

3. Opportunity Creation: Generational wealth opens doors for your descendants, allowing them to pursue their passions and make meaningful contributions to society.

4. Tax Efficiency: Strategic planning can help preserve more of your wealth for future generations.

5. Family Friendly: A well-structured wealth plan bring a family together with shared values.


As a business owner, you're no stranger to taking risks and seizing opportunities. Now it's time to apply that entrepreneurial spirit to your family's financial future. The legacy you're building is not just a monetary inheritance, but a foundation of financial wisdom, opportunity, and security that will empower your descendants for generations to come.

The impact of your decisions today will be heard through time, paving the way for your children's children with opportunities that can’t even be imagined. Your legacy isn't just about the digits on the bank statement—it's about bringing dreams to life, fostering innovation, and creating a ripple effect of positive change that extends far beyond your family tree.


Jason Kohl, CCIM

"THE Consultants for Capital"


Jason has been working with entrepreneurs and family-owned businesses for over 34 years since 1990, and welcomes the opportunity to be of service. Great relationships are built over time - let's start it off today. QUICK SURVEY 

Thank You

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Jason Kohl, CCIM

Kohl Capital Associates

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At KCA we engage with small & mid-sized businesses throughout the United States.  We are based in New York and Colorado

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