Before comparing offers, ask what each headline number represents. The value attributed to a business is not automatically the amount its owner will receive or have available immediately.
Separate upfront payments, instalments, conditional payments, adjustments and other terms. A higher stated price can involve different timing and collection risks. Remaining with the company may also be linked to payments or performance conditions, which need separate analysis. Personal planning should reflect amounts actually available and obligations that remain, with appropriate professional assessment of the specific transaction.