When to Think About
an ESOP.

(And Who Will Be Involved.)

You can answer five straightforward questions to understand if an ESOP might be right for your company.

But, when should you start acting if it seems like it is?

Our recommendation is sooner rather than later.


ESOP-Who_sAtTable-OneSheeter-thumb.jpgHere’s why:

There are multiple parties involved.


There are also multiple stages as part of the ESOP process:




  Plan design

 Funding the plan

  Closing the transaction

And that’s just for you, the seller.

Your employees need to be educated about how this decision will impact their lives. The roll out needs to be impactful for full effect.

So, if you’ve been thinking more seriously about transitioning to retirement or questioning how to sell your business in the smartest way possible, you should start considering all options — including an ESOP.

011 Fiocchi MCarthy ESOP Group.jpg

From Collaboration To Completion


An ESOP has more moving parts than selling to an outside party. That means there are more professionals involved to ensure it is planned and executed properly.

  • You
  • Us, as your 1042 Advisor to execute this tax deferral if desired
  • Attorneys to design the ESOP plan or trust
  • A Trustee to ensure the structure is fair to the seller and buyers (your employees)
  • A Valuation Firm to determine what your business is worth
  • A Bank for commercial loan purposes (if needed) to fund the sale of stock
  • A Financial Advisor to help manage your post-transaction wealth

That’s a big team, but don’t be intimidated.

We work with everyone involved to help you determine whether an ESOP makes sense for your company and; if so, how it can best be implemented. Our goal is to help simplify this process and provide guidance and resources throughout.