Many business owners fall into the trap of treating their company like a personal piggy bank. Running lifestyle expenses through the business might feel like a smart tax move today — but when it’s time to sell, those shortcuts can slash millions off your valuation.

In this episode, Carol Dewey pulls back the curtain on how “tax tricks” and commingled expenses quietly erode enterprise value, destroy EBITDA multiples, and compromise your long-term legacy. Through real-world case studies — from a dry cleaner to a physician group to a franchisee — you’ll see the hidden cost of short-term thinking and how to reposition your business as a true wealth engine.

• Why commingling personal and business expenses shrinks your EBITDA (and your valuation).
• Real-world stories of business owners who lost millions by treating their company like a piggy bank.
• How to shift from short-term “tax savings” to long-term wealth creation.
• Why buyers, bankers, and investors demand clean books.
• How Clarus Advisory Partners and Perpetual Wealth Financial help protect your profits, maximize valuation, and safeguard your legacy.

Whether you’re preparing for an exit or just building toward future wealth, this episode will change the way you think about taxes, profits, and your business’s true value.

📘 Free Download: 8 Key Drivers of Company Value

📅 Book your Complimentary Lifestyle & Legacy Assessment: Schedule with Carol

💬 Website: www.perpetualwealthfinancial.com

💬 LinkedIn: Carol Dewey

🎧 Listen & Subscribe: Available on Apple Podcasts, Spotify, and YouTube

Your business is being valued every single day — whether you realize it or not. The choices you make now determine whether buyers see a thriving, transferable company… or a risky operation that depends too much on you.

In this episode, Carol Dewey introduces the PURE Framework — Plus, Unnecessary, Replaceable, Equal — a practical roadmap for boosting profits today while securing a higher valuation tomorrow. You’ll learn how to strip away inefficiencies, build systems that don’t rely on you, and create balance across contracts and relationships. And, you’ll see how PURE connects directly to EBITDA multiples, exit planning, and tax efficiency.

• Why valuation isn’t just about revenue — and how PURE drives higher multiples.
• How to spot and eliminate “unnecessary” expenses dragging down your books.
• Why making yourself replaceable is the #1 way to increase business value.
• How to use PURE to optimize not only profits, but also tax efficiency.
• Real-world case studies of medical practices, manufacturers, and family businesses that applied PURE to unlock millions in value.

Whether you’re planning to sell soon or decades from now, this framework will help you create a business buyers can’t resist — and the IRS can’t erode.

📘 Free Download: 8 Key Drivers of Company Value

📅 Book your Complimentary Lifestyle & Legacy Assessment: Schedule with Carol

💬 Website: www.perpetualwealthfinancial.com

💬 LinkedIn: Carol Dewey

🎧 Listen & Subscribe: Available on Apple Podcasts, Spotify, and YouTube

In this episode of Navigating Abundant Retirement, Carol Dewey explores one of the most overlooked yet critical aspects of wealth management—the difference between simply recording history with your CPA and designing your financial future with proactive tax planning.

Carol explains why the next 18 months may be one of the most important tax planning windows in decades, the opportunities created by the recently extended “One Big Beautiful Bill,” and real-world case studies where clients saved millions by planning ahead.

This episode is packed with strategies most CPAs never bring up—perfect for business owners, high-income professionals, and high-net-worth families who want to keep more of what they’ve worked so hard to earn.

📘 Free Download: 8 Key Drivers of Company Value

📅 Book your Complimentary Lifestyle & Legacy Assessment: Schedule with Carol

💬 Website: www.perpetualwealthfinancial.com

💬 LinkedIn: Carol Dewey

🎧 Listen & Subscribe: Available on Apple Podcasts, Spotify, and YouTube

In this episode of Navigating Abundant Retirement, Carol Dewey exposes a silent yet costly reality for high-income professionals and business owners: most CPAs are reactive, not proactive. Carol dives into the traditional compliance-based CPA model and how it may be costing you six or even seven figures over time. Through real-life client stories and strategic insight, she reveals how shifting to proactive tax planning can multiply your wealth and protect your legacy.

• Why most CPAs don’t provide forward-looking tax strategies
• The cost of recording history vs. creating financial strategy
• Real-world examples of clients recovering millions through strategic planning
• High-impact tax-saving tools like advanced retirement plans, charitable trusts, and entity restructuring
• Why the best time for proactive tax planning is now, not after tax season

• 📘 Free Download: 8 Key Drivers of Company Value
• 📅 Book your Complimentary Lifestyle & Legacy Assessment: Schedule with Carol

• Website: www.perpetualwealthfinancial.com
• LinkedIn: Carol Dewey

Available on Apple Podcasts, Spotify, and YouTube.

💡 If you’re ready to stop overpaying and start planning, don’t forget to rate, review, and share this episode.

In this episode of Navigating Abundant Retirement, Carol Dewey cuts through economic confusion to help business owners and retirees understand what’s really happening with the Federal Reserve’s interest rate pause and the latest wave of tariffs. From inflation shifts to global rate games and the emergence of the “MAGA Fund,” this episode breaks down what these developments mean for your investments, your business, and your financial future—plus what to do right now to protect and grow your wealth.

🔑 What You'll Learn:

• Why the Fed is holding rates steady—and why that matters to you
• How tariffs might ripple through the economy and your portfolio
• The surprising global interest rate dynamic impacting U.S. exports
• What the proposed “MAGA Fund” could mean for strategic sectors
• Practical action steps for both business owners and retirees

• 📘 Free Download: 8 Key Drivers of Company Value
• 📅 Book your Complimentary Lifestyle & Legacy Assessment: Schedule with Carol

• Website: www.perpetualwealthfinancial.com
• LinkedIn: Carol Dewey

Find us on Apple Podcasts, Spotify, and YouTube.

💡 If this episode helped bring clarity to a complex topic, please rate, review, and share!

In this episode of Navigating Abundant Retirement, Carol Dewey unpacks one of the most critical mindset shifts that can radically increase the value of your business: going from Player to Coach.

Whether you're a founder, executive, or business owner stuck in the weeds, this episode will help you move beyond doing everything yourself—and start leading strategically.

Discover how to transition from being the MVP to the head coach who builds a scalable, sellable business—one that can thrive even in your absence.

• Why working “in” your business can limit its value
• The silent killer of business valuations: owner dependence
• Five core traits of effective business “coaches”
• How to transfer knowledge to your team without micromanaging
• Why coaching through feedback—not perfection—unlocks team growth
• How this mindset shift leads to higher valuations and greater freedom

📘 Free Download: 8 Key Drivers of Company Value

📅 Book your Complimentary Lifestyle & Legacy Assessment: Schedule with Carol

🌐 Website: www.perpetualwealthfinancial.com

🔗 LinkedIn: Carol Dewey

Available on Apple Podcasts, Spotify, and YouTube

In this episode of Navigating Abundant Retirement, Carol Dewey reveals the powerful yet often overlooked business multiplier: customer feedback. Discover how a simple $50 idea grew into a seven-figure exit—all because one founder chose to listen. Carol shares real client case studies and a simple feedback framework that can immediately improve revenue, retention, and valuation.

• How customer feedback can unlock new revenue streams and reduce churn
• Why listening systems are essential for premium business exits
• Three real-world examples of business transformation through feedback
• A step-by-step framework: Listen, Analyze, Act, Repeat
• How to build a feedback culture that boosts company value

• 📘 Free Download: 8 Key Drivers of Company Value
• 📅 Book your Complimentary Lifestyle & Legacy Assessment: Schedule with Carol

• Website: www.perpetualwealthfinancial.com
• LinkedIn: Carol Dewey

Catch the latest episodes on Apple Podcasts, Spotify, and YouTube.

💡 Rate, review, and share if this helped you grow your business smarter.

If your business can’t run without you… you don’t own a business. You own a job.

In this powerful episode, Carol Dewey dives deep into one of the most transformational shifts a business owner can make: learning to work on the business, not in it.

You’ll hear real client success stories, practical strategies, and the one mindset shift that can increase your business's value and free you from the daily grind. Whether you're years away from exiting or just looking to work smarter, this episode will help you reimagine what freedom and legacy look like as a business owner.

📌 What You’ll Learn in This Episode:

• Why being the technician in your company can hurt its long-term value
• How to move past the fear of letting go
• The strategy behind “phantom equity” and how it increases accountability
• What makes a business truly valuable to buyers, investors, and heirs
• The 5 things you can do today to start working ON—not IN—your business

Grab your FREE eBook:

“The 8 Key Drivers of Company Value”

Learn how to build a business that works without you.

👉 Download Now: www.PerpetualWealthFinancial.com

📅 Ready to Take the Next Step?

Schedule your complimentary Lifestyle & Legacy Assessment to discover how your business stacks up—and what to do next to increase value and freedom.

📞 Call (877) 434-6243 or visit our website to book your session.

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Let’s build something that lasts