Certainly. Below is the fully rewritten, icon-free, copy-paste-ready EZY Course blog on the new topic:

“How to Sell Your Medical Practice for a Higher Multiple of EBITDA — And Keep More of the Proceeds With Strategic Tax Planning and a Virtual Family Office”

How to Sell Your Medical Practice for a Higher Multiple of EBITDA — And Keep More of the Proceeds With Strategic Tax Planning and a Virtual Family Office

Selling your medical practice can be a once-in-a-lifetime wealth event — or a financial disaster if mishandled.

The difference? Preparation.

Private equity buyers and family offices aren’t just buying your revenue — they’re buying your books, your margins, your systems, and your compliance. If your books are messy, your tax strategy reactive, and your estate plan outdated, you’re going to leave seven figures on the table.

This guide walks you through how to increase your sale multiple, keep more of your proceeds after taxes, and reinvest in a way that protects your wealth for generations — all by coordinating through a Virtual Family Office system that puts you in complete control.

1. Start With Clean, Investor-Grade Financials

The first thing buyers will do is request your last 3–5 years of:

• Profit and loss statements

• Balance sheets

• Tax returns

• Payroll records

• Accounts receivable and payable aging reports

If your books are inaccurate, delayed, or inconsistent, your multiple goes down.

You don’t get paid on gross revenue. You get paid on adjusted EBITDA — and that number can be manipulated in your favor (or against it) depending on how your financials are presented.

What to do:

• Hire a professional bookkeeper or fractional CFO familiar with medical practices

• Reconcile your books monthly, not just at tax time

• Separate personal expenses from business cleanly

• Document every “add-back” (owner perks, one-time expenses, non-recurring costs)

2. Identify and Enhance Your Practice's EBITDA Drivers

Buyers aren’t just buying your revenue. They’re buying:

• Your operating margin

• Provider productivity

• Staff efficiency

• Revenue cycle management performance

• Credentialing and payer mix

• Patient retention and referral sources

If you can optimize these areas before going to market, your practice becomes more attractive — and your EBITDA multiple goes up.

Many private equity roll-ups are offering 4x to 12x EBITDA depending on specialty, scalability, and backend efficiency.

A $500K EBITDA practice selling at 4x is $2M.
That same practice with tightened books and better payer mix could command 6x = $3M.

3. Pre-Sale Strategic Tax Planning: Business and Personal

Most physicians go into the sale with zero proactive tax planning — then wonder why they lost 40% of their proceeds to taxes.

The time to plan is 12–24 months before the sale, not after you’ve signed the LOI.

Key pre-sale tax strategies:

• Entity restructuring: Consider converting to a C-Corp, LLC taxed as S-Corp, or asset sale vs stock sale to maximize benefits.

• Installment sales: Spread out gain recognition over multiple years.

• 1202 Qualified Small Business Stock (QSBS) exclusion: If your corporate structure and holding period qualify, you may exclude up to $10M in capital gains.

• Charitable remainder trusts (CRTs): Donate shares before the sale and eliminate capital gains on that portion.

• Bonus depreciation: Accelerate deductions in the year prior to sale to reduce taxable income.

On the personal side:

• Build an estate freeze or gifting strategy while the business is still growing

• Pre-fund irrevocable trusts or SLATs to pass wealth efficiently

• Coordinate with estate attorneys to avoid triggering gift tax during sale restructuring

4. Reduce Capital Gains Tax on the Sale

After the sale, you’ll likely be facing:

• Federal long-term capital gains tax (20%)

• Net investment income tax (3.8%)

• State income tax (up to 13.3% in places like CA)

• Potential depreciation recapture tax (25%)

Post-sale tax reduction strategies:

• Installment sales to control timing of gain recognition

• Opportunity Zone investments to defer and reduce capital gains

• Oil & gas investments with intangible drilling cost deductions

• Charitable strategies like DAFs and CRTs

• Private Placement Life Insurance (PPLI) to defer or eliminate future tax

Many of these must be set up before the sale closes — after that, your options narrow significantly.

5. Build a Post-Sale Investment Plan That’s Tax-Efficient

You’re now sitting on a 7- or 8-figure liquidity event. But unless you have a plan, Wall Street advisors will be lining up with generic portfolios and high fees.

You need a customized plan that addresses:

• Asset allocation across tax buckets: pre-tax, post-tax, and tax-free

• Diversified income streams outside of medicine

• Real estate exposure, private lending, and tax-sheltered alternatives

• Multi-generational wealth planning and asset protection

• Roth conversion laddering or insurance wrappers for future tax-free income

You’re not just investing money — you’re investing the result of 20+ years of work.

6. Coordinate Everything Through a Virtual Family Office

Having a great CPA, financial advisor, and attorney isn’t enough.

If they aren’t talking to each other, you're still the one quarterbacking — and things will slip through the cracks.

A Virtual Family Office (VFO) model solves this.

We give you a single point of contact — a Financial Quarterback — who:

• Collects and reviews all business and personal financial data

• Coordinates tax, legal, insurance, and investment professionals

• Ensures your plan is built, documented, and implemented

• Monitors progress and compliance monthly

This gives you peace of mind and ensures you're not scrambling during a life-changing sale.

7. Timeline: When to Start Preparing for Sale

12–24 Months Before Sale:

• Clean up financials

• Increase EBITDA margin

• Structure the entity for tax efficiency

• Identify and begin implementing tax planning strategies

• Hire strategic advisors and estate attorneys

6–12 Months Before Sale:

• Finalize books and ensure audit readiness

• Order business valuation

• Prepare marketing materials and due diligence folders

• Create or update your estate and asset protection plan

Immediately Before Sale:

• Execute any tax-efficient transfer strategies

• Coordinate closing flow with CPA, attorney, and financial planner

• Set up post-sale investment accounts, entities, and trusts

8. Avoid These Common Mistakes

• Waiting until the LOI is signed to start tax planning

• Not preparing audited or reviewed financials

• Mixing personal and business expenses in your books

• Choosing the wrong entity structure or type of sale

• Failing to coordinate personal financial plan with business exit

• Getting advice from “product-driven” financial planners instead of strategy-first teams

9. Who This Applies To

This strategy is ideal for:

• Physicians and medical group owners with EBITDA of $500K+

• Business owners anticipating a sale within 1–3 years

• Professionals facing a high six- or seven-figure tax liability

• Families looking to turn a one-time event into a multi-generational wealth strategy

10. Why Work With SamiCapital’s Virtual Family Office

At SamiCapital, we’ve built, scaled, and exited our own medical practices. We now help physicians and business owners do the same — while keeping more of what they’ve earned.

Our Virtual Family Office is designed to handle everything from pre-sale tax planning to post-sale wealth coordination, including:

• EBITDA optimization and add-back documentation

• CPA-vetted tax strategy with legal defense support

• Entity restructuring and cost segregation coordination

• Investment plan setup with tax-efficient vehicles

• Estate planning, gifting, and asset protection

The entire investment into our planning system is typically 100% tax-deductible — and we offer a 12-month satisfaction guarantee.

If you follow our plan and don’t receive the tax savings we project, we refund the strategic planning fee. Simple.

Book Your Practice Sale Strategy Call

Selling your practice in the next 1–3 years? Don’t go into it blind.

Schedule a confidential 1-on-1 strategy call with our team and we’ll show you how to:

• Boost your EBITDA multiple

• Cut your taxes by six or seven figures

• Reinvest proceeds for tax-free or tax-deferred compounding

Book your call now:
https://calendly.com/samicapital/strategy-call

Or visit us at: www.SamiCapital.co

Contact Information

SamiCapital — Virtual Family Office Services
33 West Higgins Road, Suite 5040
South Barrington, IL 60010
Phone: 847-606-7950
Email: [email protected]
Website: www.SamiCapital.co

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