Most Affluent Business Owners Lack Confidence in Valuing Their Business, Planning Exit Strategy
Most Affluent Business Owners Lack Confidence in Valuing Their Business, Planning Exit Strategy
"Our findings show that these business owners clearly recognize the value of professional guidance when it comes to exiting their business. But many of these same business owners seem to be missing out on benefits of professional advice earlier on in their business ownership journey," Wilson added.RALEIGH, N.C., Oct. 28, 2024 /PRNewswire/ -- First Citizens Wealth, the wealth management division of First Citizens Bank, today published new results from its "Beyond Wealth" study that offer fresh insights about affluent business owners. Key findings include:
北卡罗来纳州罗利，2024年10月28日 /PRNewswire/ — 第一公民银行的财富管理部门第一公民财富今天发布了其 “Beyond Wealth” 研究的新结果，为富裕的企业主提供了新的见解。主要发现包括：
- A bare majority (52%) of affluent business owners say they know exactly how much their business is worth. And a large share of those (44%) aren't confident in that assessment.
- Less than half of affluent business owners (47%) say they have a plan for exiting their business, while only a third (33%) feel very prepared to exit.
- One in five (20%) affluent business owners plan to leave their business in the next five years, with one third (37%) planning to retain ownership for at least another decade.
- 绝大多数（52％）的富裕企业主表示，他们确切地知道自己的企业价值多少。而且其中很大一部分（44％）对该评估没有信心。
- 不到一半的富裕企业主（47％）表示他们有退出企业的计划，而只有三分之一（33％）的人对退出做好了充分的准备。
- 五分之一（20％）的富裕企业主计划在未来五年内离开企业，三分之一（37％）的富裕企业主计划将所有权再保留至少十年。
The "Beyond Wealth" study surveyed affluent individuals across the United States with more than $500,000 in investable assets, including a subgroup of affluent business owners.1
“Beyond Wealth” 研究调查了美国各地拥有超过50万美元可投资资产的富裕个人，其中包括一组富裕的企业主。1
"This latest installment of our Beyond Wealth study delivers compelling insights into how affluent business owners perceive business valuation and exit planning," said Michael Wilson, executive vice president and lead executive for First Citizens Wealth.
第一公民财富执行副总裁兼首席执行官迈克尔·威尔逊表示：“我们最新一期的《Beyond Wealth》研究为富裕企业主如何看待企业估值和退出计划提供了令人信服的见解。”
"Our findings show that these business owners clearly recognize the value of professional guidance when it comes to exiting their business. But many of these same business owners seem to be missing out on benefits of professional advice earlier on in their business ownership journey," Wilson added.
“我们的调查结果表明，这些企业主清楚地认识到专业指导在退出业务时的价值。但是，这些企业主中有许多人在企业所有权之旅的早期似乎错过了专业建议的好处，” 威尔逊补充说。
Business valuation
企业估值
Nearly all affluent business owners (87%) have some idea of how much their business is worth, the study found, but only half (52%) believe they know exactly what their business is worth.
研究发现，几乎所有富裕的企业主（87％）都知道自己的业务价值，但只有一半（52％）的人认为他们确切地知道自己的业务价值。
Only three in five (62%) affluent business owners have performed a formal valuation of their business, which has most often been done with a professional advisor (76%).
只有五分之三（62％）的富裕企业主对其业务进行了正式估值，而这种估值通常是由专业顾问（76％）完成的。
Still, only half of affluent business owners who know their business' worth feel very confident in the value assessment.
尽管如此，在了解企业价值的富裕企业主中，只有一半对价值评估感到非常自信。
"Knowing the value of your business today is important because the opportunity to exit could arise unexpectedly and at any time," said Nerre Shuriah, senior director of wealth planning at First Citizens Bank.
第一公民银行财富规划高级董事内雷·舒里亚说：“了解当今企业的价值很重要，因为退出的机会随时可能出人意料地出现。”
"You could end up exiting your business on your timeline. On the other hand, a big life change or a surprise offer could have you exiting sooner than you anticipated," she continued. "Either way, having confidence in what your business is worth makes a huge difference in streamlining the exit process."
“你最终可能会在你的时间表上退出你的公司。另一方面，重大生活改变或意外提议可能会让你比预期的更早退出，” 她继续说道。“无论哪种方式，对自己的业务价值充满信心都会对简化退出流程产生巨大的影响。”
Business succession
业务继承
Only about half (47%) of affluent business owners have a plan for exiting their business and only one third (33%) feel well prepared to do so.
只有大约一半（47％）的富裕企业主有退出企业的计划，只有三分之一（33％）的人认为已经做好了退出企业的准备。
The most likely exit strategies among survey respondents are selling or giving the business to a family member (31%) or selling to another business owner (19%). One in seven (15%) say they don't know how they will exit their business.
受访者中最有可能的退出策略是将企业出售或转让给家庭成员（31％）或出售给其他企业主（19％）。七分之一（15%）的人表示他们不知道如何退出业务。
About half (50%) indicate their family members are interested in taking over the business after they retire, though only two in five (43%) have brought their family into the business.
大约一半（50％）的人表示，他们的家庭成员有兴趣在退休后接管公司，尽管只有五分之二（43％）的家庭成员带领家庭进入该企业。
"We know that it can be difficult to zoom out from the day-to-day of running a business to develop an exit plan, especially if you're unsure of how or when the exit will happen," Shuriah said.
舒里亚说：“我们知道，可能很难从经营企业的日常工作中抽出时间来制定退出计划，尤其是在你不确定退出将如何或何时发生的情况下。”
"Working with a professional business advisor can help you take a step back and evaluate your business from an outside perspective, so that you have a full understanding of your business to develop an informed exit plan that meets your end goals," she continued.
她继续说：“与专业的商业顾问合作可以帮助你退后一步，从外部角度评估业务，这样你就可以充分了解自己的业务，制定出符合最终目标的明智退出计划。”
"And if those goals involve passing down your business to family members, a professional advisor can empower you to have those notoriously difficult money conversations with the next generation," Shuriah added.
舒里亚补充说：“而且，如果这些目标涉及将你的业务传给家庭成员，那么专业顾问可以让你与下一代进行那些臭名昭著的艰难理财对话。”
Advisor Services
顾问服务
Affluent business owners recognize the importance of professional advisory services. They are significantly more likely to have a professional financial advisor (85%) in comparison to affluent Americans who are not business owners (68%). They are also significantly more likely to have created a financial plan (88%) in comparison to their non-business owner counterparts (60%), especially with a financial advisor.
富裕的企业主认识到专业咨询服务的重要性。与非企业主的富裕美国人（68％）相比，他们聘请专业财务顾问的可能性要高得多（85％）。与非企业主同行（60％）相比，他们制定财务计划的可能性也要高得多（88％），尤其是财务顾问。
"It seems contradictory that affluent business owners are more likely to have professional financial advisors and plans, yet most still are not very prepared to exit their business," said Wilson. "These findings highlight an opportunity for business owners to be proactive in preparing for the inevitable succession of their business, regardless of when it might happen."
威尔逊说：“富裕的企业主更有可能拥有专业的财务顾问和计划，但大多数企业主仍未做好退出业务的准备，这似乎很矛盾。”“这些发现突显了企业主有机会积极为不可避免的业务继承做准备，无论这种情况何时发生。”
For more insights from the Beyond Wealth study by First Citizens Wealth, download the report.
要从第一公民财富组织的《超越财富》研究中获得更多见解，请下载该报告。
First Citizens Wealth empowers clients with a comprehensive set of services and solutions to help meet their unique and evolving needs. The team's holistic approach, goals-based strategy and personalized service help ensure clients can make smart decisions at every stage of their financial journey.
First Citizens Wealth为客户提供了一套全面的服务和解决方案，以帮助他们满足其独特和不断变化的需求。该团队的整体方法、基于目标的策略和个性化服务有助于确保客户在财务旅程的每个阶段都能做出明智的决策。
About First Citizens Bank
First Citizens Bank helps personal, business, commercial and wealth clients build financial strength that lasts. Headquartered in Raleigh, N.C., First Citizens has built a unique legacy of strength, stability and long-term thinking that has spanned generations. First Citizens offers an array of general banking services including a network of more than 500 branches and offices in 30 states; commercial banking expertise delivering best-in-class lending, leasing and other financial services coast to coast; innovation banking serving businesses at every stage; and a nationwide direct bank. Parent company First Citizens BancShares, Inc. (NASDAQ: FCNCA) is a top 20 U.S. financial institution with more than $200 billion in assets and a member of the Fortune 500. Discover more at firstcitizens.com.
关于第一公民银行
第一公民银行帮助个人、企业、商业和财富客户建立持久的财务实力。First Citizens总部位于北卡罗来纳州罗利，在力量、稳定和长期思维方面积累了几代人的独特遗产。First Citizens提供一系列一般银行服务，包括遍布30个州的500多家分行和办事处的网络；提供一流贷款、租赁和其他金融服务的商业银行专业知识；为各个阶段的企业提供服务的创新银行；以及一家全国性的直属银行。母公司First Citizens BancShares, Inc.（纳斯达克股票代码：FCNCA）是美国排名前20的金融机构，拥有超过2000亿美元的资产，也是《财富》500强的成员。在 firstcitizens.com 上了解更多信息。
About the Survey
1 The online survey was conducted among a sample of 1,000 Americans with greater than $500,000 in investable assets, including a subsample of 500 business owners, in April 2024 by Logica Research.
关于调查
1 这项在线调查由Logica Research于2024年4月对1,000名可投资资产超过50万美元的美国人进行了抽样，其中包括500名企业主的子样本。
Disclosures
First Citizens Wealth (FCW) is a marketing brand of First Citizens BancShares, Inc., a bank holding company. The following affiliates of First Citizens BancShares are the entities through which FCW products are offered. Brokerage products and services are offered through First Citizens Investor Services, Inc. ("FCIS") , a registered broker-dealer, Member FINRA and SIPC. Advisory services are offered through FCIS, First Citizens Asset Management, Inc. and SVB Wealth LLC, all SEC registered investment advisers and affiliated entities. Insurance products are offered through FCIS, a licensed insurance agency. Banking, lending, trust products and services, and certain insurance products and services are offered by First-Citizens Bank & Trust Company, Member FDIC, and an Equal Housing Lender and SVB, a division of First-Citizens Bank & Trust Company.
披露
第一公民财富（FCW）是银行控股公司第一公民银行股份公司的营销品牌。First Citizens BancShares的以下关联公司是提供FCW产品的实体。经纪产品和服务由第一公民投资者服务有限公司（“FCIS”）、注册经纪交易商、成员FINRA和SIPC提供。咨询服务由FCIS、第一公民资产管理公司和SvB Wealth LLC提供，他们都是美国证券交易委员会注册的投资顾问和关联实体。保险产品由持牌保险机构FCIS提供。银行、贷款、信托产品和服务以及某些保险产品和服务由第一公民银行和信托公司、联邦存款保险公司成员以及第一公民银行和信托公司旗下的平等住房贷款人和SvB提供。
MEDIA RELATIONS:
媒体关系：
Lexa Losey
[email protected]
Lexa Losey
[电子邮件保护]
Liz Shapiro
[email protected]
丽兹·夏皮罗
[电子邮件保护]
SOURCE First Citizens Bank
来源：第一公民银行
