The Business-Owner Investor Model


he Business-Owner Investor Model was created to help business owners better understand their new role as investors. We created this model because transitioning from managing a business to managing a portfolio doesn’t have to be a source of stress. Take a few minutes to review the information below and you will see there is a logical way to manage your assets so they work for you instead of the other way around.


The Business-Owner Investor Model starts with “you” in the center. Whether you are in the process of exiting your business or have already exited, you have certain “needs” that must be addressed if you are to make a successful transition from owner to investor. To deal with the realities that come with owning a business, WHA Asset Management created specific practices that are designed to help you reach your financial goals.


The Three Needs

The Three Needs help business owners understand their “needs” as they migrate from ordinary business owner, to a business-owner investor. They focus on the need to replace earned income, run a business vs. a portfolio and managing ownership risks.


The Eight Realities

Based on the Three Needs, business owners are forced to face Eight Realities. These are the realities that every business owner must face upon exiting their company.


The Nine Practices

The Nine Practices are the actions taken by WHA Asset Management when working with business-owner investors to directly address the Eight Realities and Three Needs. The Nine practices help us guide you to create a wealth management plan to reach your financial goals.


Examples of the Nine Practices


Model Income Allocation

Custom report which tracks the owner’s present and future income to monitor if the investment portfolio will be sufficient to pay for the desired lifestyle.


Cut the Tails

Investment approach where we intentionally cut off abnormally high investment returns in order to potentially avoid abnormally low investment returns.


Seek Investments with Roles

Pursuing investment opportunities which allow the owner to play an active role, such as a Board seat or as a consultant.


Follow a Written Investment Plan

Employing the principles used in business planning to investment portfolio planning.

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