Retirement Planning for Business Owners w/ Amelia Misenheimer

Your business is not your retirement plan. Amelia Misenheimer on what to build instead.

Most businesses close, they don't sell. That's a hard thing to hear if you've spent a decade pouring every spare dollar back into the company and calling it a retirement strategy.

Amelia Misenheimer comes from three generations of real estate, starting with a grandfather who was a dry land farmer in New Mexico and ended up holding tens of thousands of acres. She built her own rental portfolio, ran a property management company with over 450 properties, and bought investment property in England while living there as a military spouse. Today she works one on one with business owners and investors on the part almost nobody covers: the whole financial picture, not just the slice a financial advisor gets paid to manage.

This conversation gets pointed fast. Amelia explains why advisors only count assets under management and ignore the real estate you already own, how fees of one to three percent drain accounts most people never open, and how one client is on track to save over $600,000 across 13 years simply by managing her own funds. Then she cuts through the creative financing hype: sub-to, wraparound contracts, and seller notes are not new, and most of those deals die because nobody ever asked the seller what they actually want.

In this episode:

Why your business revenue never reaches your kids, but your personal assets doThe hidden advisor fees you never write a check forThe client on track to save over $600,000 managing her own accountsCreative financing decoded, and how to pitch owner financing so the seller says yes1031 exchanges, capital gains, and the step-up in basis nobody explainsHow to tell a proactive accountant from a bean counter, and why October is the month that matters

About Amelia Misenheimer

Amelia is a licensed New Mexico realtor, real estate investor, and former property management company owner who now consults one on one with business owners and individuals on building wealth across real estate, retirement accounts, and everything in between.

Connect with Amelia Misenheimer:

🔗 LinkedIn: https://www.linkedin.com/in/amelia-misenheimer/

🔗 Substack: https://ameliamisenheimer.substack.com/

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