Business & Exit Planning Simplified

In this final episode of Business & Exit Planning Simplified, Joe Curry reflects on the biggest lessons from working with business owners preparing for retirement and exit. He breaks down common mistakes in business sale planning, tax strategy, and retirement income—and shows how to build a more coordinated, tax-efficient plan for life after work.ABOUT JOE CURRY Joe Curry is the host of Business and Exit Planning Simplified Podcast, and the Your Retirement Planning Simplified Podcast and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled. You can reach out to Joe through:LinkedIn: https://www.linkedin.com/in/curryjoe/ Website: https://matthewsandassociates.ca/business-owners/ Website: https://www.retirementplanningsimplified.ca/ ABOUT BUSINESS & EXIT PLANNING SIMPLIFIED The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose. DISCLAIMER Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

In this episode, Joe Curry sits down with veteran business broker Gregory Kovsky to unpack what really drives business value and successful exits. They explore business valuation, deal structure, due diligence, and how to prepare your company for sale without stress. If you’re thinking about selling your business as part of your retirement income planning, this conversation is essential listening.ResourcesIBA Business BrokersIBA Blog ABOUT JOE CURRY Joe Curry is the host of Business and Exit Planning Simplified Podcast, and the Your Retirement Planning Simplified Podcast and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled. You can reach out to Joe through:LinkedIn: https://www.linkedin.com/in/curryjoe/ Website: https://matthewsandassociates.ca/business-owners/ Website: https://www.retirementplanningsimplified.ca/ ABOUT BUSINESS & EXIT PLANNING SIMPLIFIED The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose. DISCLAIMER Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

In this episode of Business & Exit Planning Simplified, Joe Curry sits down with serial entrepreneur Ted Jenkin to unpack what really drives business value and why most owners shouldn’t try to sell alone. They discuss exit planning strategy, valuation multiples, recurring revenue, and how to prepare years in advance to avoid costly mistakes. If your retirement income plan depends on selling your business, this conversation is essential listening.ResourcesTed Jenkin Exit Stage Left AdvisorsTwo-Year Exit Planning Checklist (available via Exit Stage Left Advisors)ABOUT JOE CURRY Joe Curry is the host of Business and Exit Planning Simplified Podcast, and the Your Retirement Planning Simplified Podcast and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled. You can reach out to Joe through:LinkedIn: https://www.linkedin.com/in/curryjoe/ Website: https://matthewsandassociates.ca/business-owners/ Website: https://www.retirementplanningsimplified.ca/ ABOUT BUSINESS & EXIT PLANNING SIMPLIFIED The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose. DISCLAIMER Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

If you’re a Canadian service-based business owner within five years of stepping back, this episode walks you through a practical exit and retirement income planning framework. Joe Curry explains how to align your business value, tax strategy, and personal retirement plan so you can become work optional — without regrets or last-minute pressure.ABOUT JOE CURRY Joe Curry is the host of Business and Exit Planning Simplified Podcast, and the Your Retirement Planning Simplified Podcast and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled. You can reach out to Joe through:LinkedIn: https://www.linkedin.com/in/curryjoe/ Website: https://matthewsandassociates.ca/business-owners/ Website: https://www.retirementplanningsimplified.ca/ ABOUT BUSINESS & EXIT PLANNING SIMPLIFIED The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose. DISCLAIMER Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

Many business owners assume their business sale will fund retirement—but most overestimate what their business is actually worth. In this episode of Business and Exit Planning Simplified, Joe Curry explains why 80% of businesses never sell, the real drivers of business value, and how exit planning must be integrated with retirement income planning to avoid costly surprises.ABOUT JOE CURRY Joe Curry is the host of Business and Exit Planning Simplified Podcast, and the Your Retirement Planning Simplified Podcast and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled. You can reach out to Joe through: LinkedIn: https://www.linkedin.com/in/curryjoe/ Website: https://matthewsandassociates.ca/business-owners/ Website: https://www.retirementplanningsimplified.ca/ ABOUT BUSINESS & EXIT PLANNING SIMPLIFIED The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose. DISCLAIMER Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

Most business owners don’t plan to exit suddenly — but life often has other plans. In this episode, Joe Curry breaks down the Five Ds of exit planning and explains how divorce, disagreement, disability, distress, and death can force unplanned exits if you’re not prepared.RESOURCESExit Planning Institute Blog: How to Protect Your Business from the 5 D’s – you can find the link to download the 5 D’s infographic at the bottom of this blog postExit Planning Basics for Business Ownershttps://retirementplanningsimplified.ca/blogExplore Joe’s Previous Business & Exit Planning Simplified Podcast Episodes on the 8 Key Drivers of Business ValueEp 10: How Clean Financials Boost Business Value and Improve Exit TermsEp 11: Boosting Your Company’s Valuation: Strategies for Highlighting Growth PotentialEp 12: Reducing Dependency Risk to Maximize Business Value and Attract BuyersEp 13: The Valuation Teeter Totter: How Working Capital Impacts What Your Business Is WorthEp 14: The Power of Predictability: Why Recurring Revenue Drives Higher Business ValuationEp 15: Monopoly Control: How to Carve Out a Niche So Strong You Can Set the PriceEp 16: How to Boost Business Value Through Client Loyalty and FeedbackEp 17: Why Owner Independence Is the Key to a Sellable Business | Hub & Spoke ExplainedABOUT JOE CURRY Joe Curry is the host of Business and Exit Planning Simplified Podcast, and the Your Retirement Planning Simplified Podcast and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled.You can reach out to Joe through:LinkedIn: https://www.linkedin.com/in/curryjoe/Website: https://matthewsandassociates.ca/business-owners/Website: https://www.retirementplanningsimplified.ca/ABOUT BUSINESS & EXIT PLANNING SIMPLIFIED The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose.DISCLAIMER Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

A successful business exit takes more than a great sale price. In this episode, Joe Curry explains the three critical legs of exit planning—business readiness, personal readiness, and financial readiness—and why overlooking any one of them can derail your retirement. Learn how to exit your business with confidence, clarity, and purpose.ResourcesTrue Wealth Roadmap™ Process – Aligning business exit proceeds with retirement income and legacy goalsRetirement Planning Simplified Podcast Blog – Related insights from Joe’s retirement focused podcastExplore Joe’s Previous Business & Exit Planning Simplified Podcast Episodes on the 8 Key Drivers of Business Value:Ep 10: How Clean Financials Boost Business Value and Improve Exit TermsEp 11: Boosting Your Company’s Valuation: Strategies for Highlighting Growth PotentialEp 12: Reducing Dependency Risk to Maximize Business Value and Attract BuyersEp 13: The Valuation Teeter Totter: How Working Capital Impacts What Your Business Is WorthEp 14: The Power of Predictability: Why Recurring Revenue Drives Higher Business ValuationEp 15: Monopoly Control: How to Carve Out a Niche So Strong You Can Set the PriceEp 16: How to Boost Business Value Through Client Loyalty and FeedbackEp 17: Why Owner Independence Is the Key to a Sellable Business | Hub & Spoke ExplainedABOUT JOE CURRY Joe Curry is the host of Business and Exit Planning Simplified Podcast, and the Your Retirement Planning Simplified Podcast and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled. You can reach out to Joe through: LinkedIn: https://www.linkedin.com/in/curryjoe/ Website: https://matthewsandassociates.ca/business-owners/ Website: https://www.retirementplanningsimplified.ca/ ABOUT BUSINESS & EXIT PLANNING SIMPLIFIED The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose. DISCLAIMER Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

In this final episode of the Eight Drivers of Business Value series, Joe Curry explains why the hub and spoke model is one of the biggest threats to business value and exit success. Learn how reducing owner dependence can increase valuation, reduce buyer risk, and create a business that’s easier — and more enjoyable — to run.ResourcesTraction by Gino WickmanEight Drivers of Business Value eBook - available by request via [email protected] Joe’s Previous Business & Exit Planning Simplified Podcast Episodes on the 8 Key Drivers of Business ValueEp 10: How Clean Financials Boost Business Value and Improve Exit TermsEp 11: Boosting Your Company’s Valuation: Strategies for Highlighting Growth PotentialEp 12: Reducing Dependency Risk to Maximize Business Value and Attract BuyersEp 13: The Valuation Teeter Totter: How Working Capital Impacts What Your Business Is WorthEp 14: The Power of Predictability: Why Recurring Revenue Drives Higher Business ValuationEp 15: Monopoly Control: How to Carve Out a Niche So Strong You Can Set the PriceEp 16: How to Boost Business Value Through Client Loyalty and FeedbackABOUT JOE CURRY Joe Curry is the host of Business and Exit Planning Simplified Podcast, and the Your Retirement Planning Simplified Podcast and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled. You can reach out to Joe through: LinkedIn: https://www.linkedin.com/in/curryjoe/ Website: https://matthewsandassociates.ca/business-owners/ Website: https://www.retirementplanningsimplified.ca/ ABOUT BUSINESS & EXIT PLANNING SIMPLIFIED The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose. DISCLAIMER Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

Customer satisfaction isn’t just good business — it’s a core driver of company value when you eventually exit. In this episode, Joe Curry breaks down how loyal, engaged clients make your business more transferable, why buyers rely on data (not assumptions), and what simple systems you can put in place today to increase your valuation.Resources·  Learn more about The Value Builder System and its eight key drivers of company value·  Explore Joe’s Previous Business & Exit Planning Simplified Podcast Episodes on the 8 Key Drivers of Business ValueEp 10: How Clean Financials Boost Business Value and Improve Exit TermsEp 11: Boosting Your Company’s Valuation: Strategies for Highlighting Growth PotentialEp 12: Reducing Dependency Risk to Maximize Business Value and Attract BuyersEp 13: The Valuation Teeter Totter: How Working Capital Impacts What Your Business Is WorthEp 14: The Power of Predictability: Why Recurring Revenue Drives Higher Business ValuationEp 15: Monopoly Control: How to Carve Out a Niche So Strong You Can Set the Price ABOUT JOE CURRY Joe Curry is the host of Business and Exit Planning Simplified Podcast, and the Your Retirement Planning Simplified Podcast and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled. You can reach out to Joe through: LinkedIn: https://www.linkedin.com/in/curryjoe/Website: https://matthewsandassociates.ca/business-owners/Website: https://www.retirementplanningsimplified.ca/ ABOUT BUSINESS & EXIT PLANNING SIMPLIFIED The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose.  DISCLAIMER Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

In this episode, Joe Curry breaks down how business owners can achieve monopoly control—not by eliminating competition, but by becoming the only obvious choice for their ideal clients. Learn how narrowing your focus, deepening your expertise, and creating an integrated client experience can help you command premium pricing, improve margins, and grow your company’s value before exit.Key TakeawaysMonopoly control isn’t about having no competition — it’s about being the only logical choice for your target clients because of your unique positioning and value.Specialization creates pricing power. When you go deep into a niche, you stop competing on price and start setting it.Build systems and intellectual property that make your process hard to replicate and your business indispensable to clients.Integrated client experiences create dependency. Make your services so valuable and embedded that switching feels like a downgrade.The result is higher EBITDA and valuation. By tightening your focus and strengthening your moat, you increase both profit and buyer appeal.ResourcesLearn more about The Value Builder System and its eight key drivers of company valueExplore Joe’s Previous Business & Exit Planning Simplified Podcast Episodes on the 8 Key Drivers of Business Value: Ep 10: How Clean Financials Boost Business Value and Improve Exit TermsEp 11: Boosting Your Company’s Valuation: Strategies for Highlighting Growth PotentialEp 12: Reducing Dependency Risk to Maximize Business Value and Attract BuyersEp 13: The Valuation Teeter Totter: How Working Capital Impacts What Your Business Is WorthEp 14: The Power of Predictability: Why Recurring Revenue Drives Higher Business ValuationABOUT JOE CURRY Joe Curry is the host of Business and Exit Planning Simplified Podcast, and the Your Retirement Planning Simplified Podcast and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled. You can reach out to Joe through: LinkedIn: https://www.linkedin.com/in/curryjoe/Website: https://matthewsandassociates.ca/business-owners/Website: https://www.retirementplanningsimplified.ca/ABOUT BUSINESS & EXIT PLANNING SIMPLIFIED The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose.  DISCLAIMER Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

Most business owners focus on top-line sales — but buyers care about predictability. In this episode of Business & Exit Planning Simplified, Joe Curry breaks down why recurring revenue is one of the eight key drivers of a valuable business and how even service-based companies can create stable, dependable income streams that boost both business value and peace of mind.Key TakeawaysPredictable income increases business value. Buyers pay more for businesses with stable, recurring cash flow because it reduces risk and signals reliability. Recurring revenue isn’t just for tech companies. From cleaning services to barbershops, any service business can build repeat income with creativity.Memberships and subscriptions drive loyalty. Regular, ongoing customer relationships smooth revenue and strengthen retention.Simple shifts make a big difference. Retainer models or maintenance contracts can transform one-time sales into sustainable income streams.It’s not just about selling someday. Predictable revenue makes running your business easier, less stressful, and more resilient — whether you sell or keep it. Resources Matthews + Associates Business Owner Advisory ServicesPrevious Business & Exit Planning Simplified Podcast Episodes on the 8 Key Drivers of Business ValueEp 10: How Clean Financials Boost Business Value and Improve Exit Terms Ep 11: Boosting Your Company’s Valuation: Strategies for Highlighting Growth PotentialEp 12: Reducing Dependency Risk to Maximize Business Value and Attract BuyersEp 13: The Valuation Teeter Totter: How Working Capital Impacts What Your Business Is WorthABOUT JOE CURRY Joe Curry is the host of Business and Exit Planning Simplified Podcast, and the Your Retirement Planning Simplified Podcast and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled. You can reach out to Joe through: LinkedIn: https://www.linkedin.com/in/curryjoe/Website: https://matthewsandassociates.ca/business-owners/Website: https://www.retirementplanningsimplified.ca/ABOUT BUSINESS & EXIT PLANNING SIMPLIFIED The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose.  DISCLAIMER Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

In this episode of Business & Exit Planning Simplified, Joe Curry breaks down the “valuation teeter-totter” — a simple but powerful concept showing how your business’s cash requirements directly impact its value. Learn three practical strategies to free up working capital, improve cash flow, and make your company more attractive to buyers when planning your business exit.KEY TAKEAWAYSUnderstand the Valuation Teeter-Totter: The more cash your business needs to operate day to day, the less it’s worth to potential buyers — and vice versa.Accelerate Receivables: Get paid faster for the value you deliver. Introducing deposits, strategy fees, or retainers can improve cash flow and strengthen client relationships.Extend Payables: Negotiate longer payment terms with vendors to preserve your working capital without damaging key relationships.Optimize Inventory: For product-based businesses, reduce excess stock and align ordering cycles with real demand to free up tied capital.Boost Business Value Before Exit: Simple cash flow improvements can significantly increase your company’s valuation and make it more appealing to serious buyers.CALL TO ACTION Book: Money Models by Alex Hormozi — frameworks for building cash flow and pricing structures. The first 20 listeners can request a free copy of Money Models by emailing [email protected] JOE CURRY Joe Curry is the host of Business and Exit Planning Simplified podcast, and Your Retirement Planning Simplified podcast, and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled. You can reach out to Joe through: LinkedIn: https://www.linkedin.com/in/curryjoe/Website: https://matthewsandassociates.ca/vsl/Website: https://www.retirementplanningsimplified.ca/ABOUT BUSINESS & EXIT PLANNING SIMPLIFIED The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose.  DISCLAIMER Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

What happens to your business if your top customer walks away, your main supplier raises prices, or your key employee quits? In this episode, Joseph Curry explains how dependency risk — relying too much on one customer, supplier, or person — can quietly destroy your business value and limit your ability to sell. You’ll learn about the Switzerland Structure, one of the 8 Drivers of Company Value, and how building neutrality and independence into your business can make it more resilient, transferable, and attractive to buyers. This video is part of our ongoing series on the 8 Drivers of Company Value, designed to help Canadian business owners increase the value and saleability of their businesses — whether your goal is to exit soon or simply build a stronger, more independent company. TIMESTAMPS00:00 – Intro: What happens if your key customer leaves? 00:40 – What is dependency risk? 01:20 – The Switzerland Structure explained 02:25 – Key indicators: customer, supplier, and employee dependence 03:40 – How dependency risk affects your business valuation 04:15 – Examples: Tesla’s supplier diversification 04:55 – Netflix and content independence 05:40 – What buyers look for in resilient companies 06:10 – How to reduce risk: customer diversification, supplier redundancy, SOPs07:00 – Real-world implications for deal structure and valuation 08:10 – Recap: Why independence = higher value 08:45 – How to find your Value Builder Score 09:10 – Closing: Next driver of company value YOU'LL LEARN ABOUT: - Dependency risk can lower your valuation, even if profits look great. - The Switzerland Structure helps your business run independently of any one stakeholder. - Aim for no single customer to make up more than 15–20% of your revenue. - Build supplier redundancy — think of it as supply chain insurance. - Cross-train employees and document SOPs to reduce “key person” risk. - Learn from examples like Tesla (supplier diversification) and Netflix (content independence). CALL TO ACTION - Request your Value Builder Score: [email protected] Subscribe for more insights on building, protecting, and exiting your business ABOUT JOE CURRY Joe Curry is the host of Business and Exit Planning Simplified and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled. You can reach out to Joe through: LinkedIn: linkedin.com/in/curryjoe Website: https://matthewsandassociates.cahttps://www.retirementplanningsimplified.ca ABOUT BUSINESS AND EXIT PLANNING SIMPLIFIED The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose. DISCLAIMEROpinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

Do buyers pay more for past profits…or future growth?In this episode, Joe explains the second driver of company value which is growth potential. Many business owners think they just need good profits to sell, but buyers want to know how much bigger the business can get after they buy it.You’ll learn why showing growth opportunities like new markets, recurring revenue, or systematizing your process can boost your valuation. Joe also shares a simple example and practical strategies to highlight future growth, even if you don’t plan to execute them yourself.You’ll learn about:Why buyers care more about future growth than past performanceA real-world example of hidden growth opportunitiesEasy ways to identify and package growth potential in your exit plan)Remember: you don’t have to execute on every growth idea, you just need to show buyers the vision.Here’s what you’re in for:00:00 – Why growth potential feels like a double-edged sword00:53 – How growth potential impacts what buyers will pay01:21 – What growth potential means and how to spot it03:14 – Real-life example:Sharon’s consulting firm05:03 – Simple strategies to increase growth potential08:12 – How to package growth opportunities for an exit09:47 – Wrap-up—------------------------------------------------------------- ABOUT JOE  CURRYJoe Curry is the host of Business and Exit Planning Simplified and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled.You can reach out to Joe through:LinkedIn: https://www.linkedin.com/in/curryjoeWebsite: https://www.retirementplanningsimplified.ca/   https://www.facebook.com/RetirementPlanningSimplified/               https://matthewsandassociates.ca/ ABOUT BUSINESS AND EXIT PLANNING SIMPLIFIEDThe Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose.—-------------------------------------------------------------Disclaimer:Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

Would you trust your gut when selling your business or the real numbers that buyers look for?In this episode of Business and Exit Planning Simplified Joe Curry starts a new series on the eight drivers of business value. The first one is financial performance.Joe explains why buyers care more about clean and consistent financial records than a big sales story. He shares an example of how messy books and mixing personal spending with business expenses can scare buyers away. He also gives simple steps that make your business worth more when it is time to sell.What you will learn in this episode:Buyers want to see steady profit and clear financial records they can trustKeeping personal and business expenses separate makes your business more valuableUsing a bookkeeper and regular reports can increase buyer confidence and improve your selling priceIf you are a business owner thinking about selling one day your financial performance is the foundation of business value.Here’s what you’re in for:00:00 Understanding Business Valuation00:29 The Importance of Financial Performance01:42 Key Financial Metrics Buyers Look For02:59 Case Study:Janet's Interior Design Firm04:07 Steps to Improve Your Financial Performance05:30 Building a Valuable Business        —-------------------------------------------------------------ABOUT JOE  CURRYJoe Curry is the host of Business and Exit Planning Simplified and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled.You can reach out to Joe through:LinkedIn: https://www.linkedin.com/in/curryjoeWebsite: https://www.retirementplanningsimplified.ca/   https://www.facebook.com/RetirementPlanningSimplified/               https://matthewsandassociates.ca/ ABOUT BUSINESS AND EXIT PLANNING SIMPLIFIEDThe Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose. —-------------------------------------------------------------Disclaimer:Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

What if you could add a million dollars to your business without selling a single extra unit or finding new clients? In this episode of Business and Exit Planning Simplified, Joe talks about the profit gap, the silent drain that lowers your business value.He  explains what the profit gap is, how to measure it, and simple steps you can take to close it. You’ll learn why buyers care about profit more than revenue, how higher margins increase both your income today and your future sale price, and why cleaning up your finances makes your company more attractive.Whether you’re planning to exit in 1 year or 10 years, closing the profit gap is one of the fastest ways to increase business value and secure your retirement.Here’s what you’re in for:00:00 Identifying the profit gap02:57 How to close the profit gap06:36 Why normalizing financials matters10:21 Strategies to increase profitability14:27 Final thoughts and next steps—---------------------------------------------------------ABOUT JOE  CURRYJoe Curry is the host of Business and Exit Planning Simplified and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled.You can reach out to Joe through:LinkedIn: https://www.linkedin.com/in/curryjoeWebsite: https://www.retirementplanningsimplified.ca/   https://www.facebook.com/RetirementPlanningSimplified/               https://matthewsandassociates.ca/ ABOUT BUSINESS AND EXIT PLANNING SIMPLIFIEDThe Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose.  —---------------------------------------------------------Disclaimer:Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

Are you sure your business is set up to fund the retirement you want and leave the legacy you’ve worked so hard to build?In this episode of  Retirement Planning Simplified, Joe Curry and Lindsay talk with Bob Gauvreau, a successful entrepreneur who built an eight-figure professional services firm. You’ll hear practical advice on tax strategies, maximizing your business value, and how to prepare your business for sale. He also explains the benefits of family trusts, how to handle family business succession, and why early planning is the key to a smooth transition.Here’s what you’re in for: 00:00 – Introduction & Welcome 00:45 – Bob Gauvreau’s Entrepreneurial Journey 02:01 – Building an Eight-Figure Firm 03:38 – Retirement Planning for Business Owners 06:13 – Structuring a Business for Sale 09:51 – Family Trusts & Tax Planning 13:41 – Increasing Business Value Before Sale 18:26 – Family Business Succession Strategies 27:45 – Conclusion & How to Connect—-------------------------------------------------------------ABOUT BOB GAUVREAUBob Gauvreau is an entrepreneur, CPA, and founder of Gauvreau, an award-winning advisory firm dedicated to helping business owners thrive. Since 2008, he has redefined the traditional accounting model—offering tax strategy, compliance, legal services, bookkeeping, coaching, and financial planning—to empower entrepreneurs to use their finances as a true growth engine. Author of The Wealthy Entrepreneur and host of The Wealthy Entrepreneur Podcast, Bob is committed to reducing stress, increasing clarity, and helping business leaders build profitable, purposeful businesses they can be proud of.You can reach out to Bob through:LinkedIn: https://www.https://www.linkedin.com/in/robert-gauvreauWebsite: https://www.GauvreauCPA.ca (Company)                 https://www.robertgauvreau.com (Personal)                —-------------------------------------------------------------ABOUT JOE  CURRYJoe Curry is the host of Business and Exit Planning Simplified and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled.You can reach out to Joe through:LinkedIn: https://www.linkedin.com/in/curryjoeWebsite: https://www.retirementplanningsimplified.ca/   https://www.facebook.com/RetirementPlanningSimplified/               https://matthewsandassociates.ca/ ABOUT BUSINESS AND EXIT PLANNING SIMPLIFIEDThe Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose. —-------------------------------------------------------------Disclaimer:Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

In this episode, Joe Curry starts with a tough question: Could your business be worth far less than you expect?Most business owners believe boosting sales and profits is the only way to grow business value. But that’s only one piece of the puzzle.What You’ll Learn:What the value gap really is and why it mattersWhy increasing revenue and profit isn’t enoughHow factors like owner dependence, recurring revenue, and customer concentration affect your business valueJoe shares practical tips on how to make your business less risky, more scalable, and ultimately more valuable even if you're not planning to sell anytime soon.Here’s what you’re in for:00:00 Is Your Business Worth Less Than You Think?01:20 Understanding the Value Gap03:02 Key Drivers of Business Value07:17 Practical Example Marketing Agency09:21 Why Focusing on Value Matters10:39 Conclusion and Key Takeaways—-------------------------------------------------------------ABOUT JOE  CURRYJoe Curry is the host of Business and Exit Planning Simplified and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled.You can reach out to Joe through:LinkedIn: https://www.linkedin.com/in/curryjoeWebsite: https://www.retirementplanningsimplified.ca/   https://www.facebook.com/RetirementPlanningSimplified/               https://matthewsandassociates.ca/ ABOUT BUSINESS AND EXIT PLANNING SIMPLIFIEDThe Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose.  —-------------------------------------------------------------Disclaimer:Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

How Should You Pay Yourself as a Business Owner? Salary, Dividends, or an IPP?In this episode, Joe chats with Braden Warwick from PWL Capital about how business owners can pay themselves in the smartest way. They break down the pros and cons of taking a salary, dividends, or using an Individual Pension Plan (IPP), a lesser-known but powerful option.Braden shares what he’s learned from co-authoring a paper with Ben Felix, and they talk through real-life examples. You'll learn how taxes play into each option, what “notional accounts” are (in simple terms), and how a flexible income plan could help you get the most from your money,both now and in retirement.Here’s what you’re in for:00:00 – Welcome and intro00:24 – Meet Braden and his role at PWL01:57 – What the research says about business owner pay04:03 – Tax pros and cons of each method08:46 – What are notional accounts, anyway?13:02 – How IPPs work and who they’re good for17:35 – Using a flexible salary strategy25:49 – Final thoughts and where to learn more—-------------------------------------------------------------ABOUT BRADEN WARWICKBraden Warwick is a PhD Research Engineer who loves turning complex research into practical, high-performing software. With a background in optimization, Monte Carlo and statistical analysis, and stochastic modeling, he’s passionate about solving tough problems and making data-driven tools that work in the real world. Braden has hands-on experience with GPU-accelerated simulations, parallel processing, and modern Python and JavaScript frameworks, bringing innovative ideas from theory to production.You can reach out to Braden through:LinkedIn: https://www.linkedin.com/in/braden-warwick-a40b48a3Website: https://www.bradenwarwick.ca (Personal)—-------------------------------------------------------------ABOUT JOE  CURRYJoe Curry is the host of Business and Exit Planning Simplified and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled.You can reach out to Joe through:LinkedIn: https://www.linkedin.com/in/curryjoeWebsite: https://www.retirementplanningsimplified.ca/   https://www.facebook.com/RetirementPlanningSimplified/               https://matthewsandassociates.ca/ ABOUT BUSINESS AND EXIT PLANNING SIMPLIFIEDThe Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose.—-------------------------------------------------------------Disclaimer:Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

How to Calculate Your Wealth Gap and Retire on Your TermsIf you sold your business tomorrow, would it fund your retirement? In this episode of Retirement Planning Simplified, Joe Curry breaks down how to calculate your “wealth gap”, the difference between what you need for financial independence and what you already have saved outside your business and home.You’ll learn why this number is the foundation for both retirement and exit planning, how to use the 4% rule for back-of-the-napkin math, and what business owners can do today to close that gap and retire with confidence.Here’s what you’re in for:00:00 The Big Question About Retirement01:50 Calculating Your Wealth Gap02:07 Retirement Lifestyle Goals02:52 Income from Investments: The 4% Rule03:33 Considering Taxes in Your Wealth Gap03:57 Assets and the Wealth Gap04:45 Closing the Wealth Gap with Your Business05:12 Financial Independence vs. Retirement05:31 Reverse Engineering Your Business Sale06:56 Example Walkthrough08:13 The Importance of Early Exit Planning09:50 Conclusion: Bridging Business and Retirement       —-------------------------------------------------------------ABOUT JOE  CURRYJoe Curry is the host of Business and Exit Planning Simplified and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled.You can reach out to Joe through:LinkedIn: https://www.linkedin.com/in/curryjoeWebsite: https://www.retirementplanningsimplified.ca/   https://www.facebook.com/RetirementPlanningSimplified/                https://matthewsandassociates.ca/ ABOUT BUSINESS AND EXIT PLANNING SIMPLIFIEDThe Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose.  —-------------------------------------------------------------Disclaimer:Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.