The Truth of Why I Sold My Business (and What You Can Learn from It)

Let me start by saying that you don’t need to own a business to benefit from the story of why I sold my business, Wealth Factory.

If you think retirement is the key to happiness, keep reading.
If you work for someone who might want to sell one day, keep reading.
If you are building something you might consider selling in the future…keep reading.

What does my story have to do with you?

Consider the following questions:

  • Does your work bring you joy or drain you?
  • How much of your time and energy are spent on your career? How does that impact every other area of your life?
  • How can and do you deal with major life changes?
  • How can you build a life you don’t want to retire from?
  • How can you extract and fully learn lessons so they don’t repeat?
  • And how do you create and embrace the things you want most (no matter how

This story will support you in answering these questions for yourself. My intent is to give you more insight into the journey of wealth, letting go, and defining the next chapter of your life—your best chapter yet.

So, join me in the story behind why I sold Wealth Factory, what I learned from others’ mistakes, and what a choice like this can allow you to do.

I will share the hardest parts so you can hopefully take away some nuggets that may just make your journey easier and less of a rocky ride.

Where it All Started for Me

It doesn’t really make sense on paper to sell a business during COVID that has recurring revenue, an inspiring mission, and extraordinary writers and marketing team.

So why sell?

To provide context, I’ll give you more of the story and background, plus sprinkle several important lessons and considerations along the way. These lessons work for anyone with co-workers, or those who own a business, and especially for those that have all the signs of success, but know there is something more.

From the time I could remember, I wanted to be an entrepreneur.

My grandfather had inspired me. He was a coal miner, but also a TV repairman and toured the weekends with his band.

I didn’t really know what I wanted to do for a living. But I knew there was something special with the connection my grandfather had with his clients and his community.

My first business was cleaning cars at the age of fifteen. I won $5,000 by being awarded the Young Entrepreneur of the Year for the state of Utah.

I thought $5,000 was a ton of money and wanted to invest it. This led me to the financial industry.

I Start in Financial Services

I started in financial services in June of 1998.

I passed the life insurance exam and was licensed at the age of nineteen. A few months later I passed the 6 and 63 securities exams, allowing me to sell mutual funds as well.

At that time, I was a naïve, product-peddling salesman, posing as a financial planner. But I set my own hours, was paid on commission, and was passionate about studying this topic.

My main strategy was to read and learn as much as possible. But I don’t know how much of it actually made me smarter—but I did sound smarter.

Now, sounding smart is far different from having the know-how, intelligence, and capability to provide a financial plan, manage risk, and properly empower people.

I did enough studying to know all the jargon and often left people feeling overwhelmed or underprepared.

My family and friends weren’t financially savvy. They were mostly blue-collar, hard-working people that didn’t have enough money to attract the best planners.

It was exciting to think I could make a difference, help them, and make money at the same time.

All my studying led them to trust me with their money, but my ability was limited.

In the vast universe of finance, passing a few tests and investing a year’s time didn’t qualify me to give them the best options or advice. I simply didn’t know the best questions to ask, whom to ask these questions to, or what to study, so I focused on sales training and gathered as many marketing resources to support that narrative.

At the time, I didn’t realize there may be a better way.

The education being provided focused more on sales training than actual technical analysis and understanding of the economy, and markets. It did almost nothing to support a due diligence process.

That is, until a bald man with a ponytail from New York showed up to train us and scared the shit out of me.

I realized I sounded smart, but this man had decades of experience and poked holes in my philosophy to the point I thought I was going to throw up.

Now I was motivated and armed with more knowledge and a new set of questions. I realized to truly add value to my clients, it was going to take a different methodology and higher level of thinking than I had been accustomed to.

I turned to a college professor, Steve Harrop. Steve was a former top-rated money manager (managed $5 billion).

Plus, I found the Lifetime Economic Acceleration Process (LEAP), a comprehensive life insurance selling program.

Even though LEAP focused heavily on life insurance transactions, it also focused on properly reducing tax, the flow of money, building out all pieces of a plan, and had such a solid foundational philosophy.

This changed my life and the life of my clients.

The Market Starts to Tank

And both LEAP and Steve showed up when the stock market started to decline, in the year 2000.

Before LEAP, Steve and Mr. Ponytail, people used phrases, clichés even, like:

  • “The market is on sale. Tell your clients to buy.”
  • “High risk equals high return.”
  • “The market goes up, the market goes down, but it will trend up.”
  • “Volatility is a required part of the game.”
  • “This is only a short-term dip.” (That particular dip lasted three years.)

These statements and beliefs limited my ability to serve my clients at the highest level. And the market dip created stress with my friends and family members that were clients.

There had to be a better way.

I went back to Steve with a lot of questions. And with my newfound knowledge, I had new conversations with my clients.

These conversations saved them hundreds of thousands of dollars. (It would have been millions, but I was young without that much money under management).

First, I let my clients know I was wrong, my training was limited, and I wasn’t sure what to do next.

That wasn’t easy.

I was trying to appear confident in those early days. But the way I studied had more to do with covering up insecurities than learning philosophies of money.

I let my family and friends know I didn’t know what I was doing and that they should get their money out of the market and find a new planner (or give me some time to figure out other ideas of what to do).

Almost all of them listened and waited.

The reward was in 2001 and 2002 when the market was down. I introduced them to a strategy that got 41% and 44% returns those two years—all while being in cash around 80% of the time.

It was a look into new possibilities.

To remove the losses for many of my clients and for others, I was able to get 1-3% cash flow per month for a time through bridge financing/hard money lending. But that came with its own set of risks and wasn’t sustainable either (the market crash of 2008 wiped out those returns).

The first strategy only lasted two years because retirement plans changed the rules in 2003 on the number of trades and when they posted, limiting our ability to execute the strategy.

I Immerse Myself in Learning

But all along, Steve Harrop’s advice was to learn, find multiple options, and continually manage risk.

In his investment class, we learned how to analyze investments and look at financials. This wasn’t something I wanted to do every day.

I had been offered a job as an analyst at the second-best-performing mutual fund family at that time, but it wasn’t something I would have enjoyed.

Relationships fuel me, connection is my currency.

With the advice to always be learning and looking for multiple options, and better returns, I found something quite unexpected.

I did 26 straight months of flying somewhere to learn from the best minds and advisors I could find in the financial world.

My young age was an advantage as many of them were willing to meet as a way to give back/pay it forward.

They would share recordings with their clients, or let me watch them meet with people or host trainings I could attend.

I also was able to shadow a well-known and respected advisor and was introduced to the concept of a family office. I wrote about family offices in What Would the Rockefellers Do?.

When families are wealthy enough, they could have their own full-time, financial team (family office)—accountants, attorneys, risk and money managers etc.

I was surprised that these family offices started with a focus on something that made so much sense, but no other planners I knew were doing.

This thing would give me a sustainable advantage since the majority of people had no clue about this critical thing.

Plugging financial leaks.
Emphasizing efficiency.
Showing people how to keep more of what they make rather than taking risks and chasing returns.

I became obsessed with ways to save money without having to budget or cut back.

Saving on tax, interest, non-performing commissions and fees, and even duplicate coverages or improper structure with their insurance.

I stopped gathering assets (aka managing money) altogether and put my focus on getting people’s financial house in order and reclaiming cash that was being lost to insurance companies, financial institutions, or the government.

This was the main mission for a number of years, find lost money and put it back into people’s lives. Well, and I wanted to be the pre-eminent planner in the state of Utah.

The Virtual Family Office

To fulfill the mission of being a pre-eminent planner, I created a Virtual Family Office.

A Virtual Family Office meant you didn’t have to be wealthy enough to afford a full-time group, but use the methodology of a comprehensive, connected, and communicative team of professionals to support the implementation of all things money and finance. This team wouldn’t be in the same building, but they would all work together for the implementation of the plan.

This was easier said than done.

I was able to build a team of professionals (Virtual Family Office) to support my clients (called The Accredited Network). Yet, I found that no matter how many leaks are plugged, no matter what growth or return people get, without conquering the scarcity mindset, there wasn’t sustainable happiness.

This opened up the possibility to start hosting one-day events that were focused on mindset, philosophy, and finances.

Marrying money and mindset started a movement we called the Producer Revolution.

A “Producer” creates more value than they consume and dedicates their life to value creation consistent with enjoying life along the way. It was about unlocking people’s ability to create value, know their value, and embrace abundance to live better.

This struck a nerve.

The stories were pouring in that led with stories of loving life, taking trips, doing more fulfilling work, and having renewed energy in life and business.

This movement was the precursor to the business I sold.

It showed me the impact of workshops, newsletters, recordings (webinars, courses, interviews), and supporting systems and processes for people to design an intentional life.

This showed me there was something financial planning was missing; an emphasis on the person, on their life, their obstacles, and the real issues at hand. These limitations came from faulty philosophies around money and the stories they were stuck in, leading them to feeling inadequate.

The Creation of Wealth Factory

Combined with Soul Purpose, mindset, and life design led to forming Wealth Factory.

Wealth Factory’s mission wasn’t to help those with access to family offices or the ultra-wealthy, instead, it is to liberate 1 million people to achieve financial independence.

When we came up with the mission, we didn’t know how to achieve it, but we were committed to figure it out. We worked as a team.

Initially, Wealth Factory’s program was only for entrepreneurs. But as we evolved, we built programs to support people who would never be an entrepreneur or to support those becoming entrepreneurs—aligning more with the mission.

It was the marketing and content team that really drove the quest for new ways to reach more people and asked how we would ever reach the one million in our current business model.

As we began to scale, it led me more towards considering the sale.

Growing Discontentment

Even though it was a massive decision to sell the business, it came from a divergent management style and the fact I wasn’t feeling fulfilled.

This style was helpful in the early years. Handling details, creating accountability, and replacing people that weren’t a long-term fit. Eventually the style became suffocating and stifled my creativity.

This led me to creating products on the side (Money Unmasked, Win Then Play Playbook, a theatrical keynote and doing comedy) all from my own dime.

I had thought about selling before and had an offer in 2019. It was a great offer, but my partners weren’t fully on board.

After a few years of wondering what to do, the choice happened in a moment. It was a culture and values mismatch.

The good news was the business was mature enough to work without my daily involvement. It became possible because of choices I had made years before.

Learning to Let Go

Especially after a conversation in 2015. I talked to my business partner about the prospect of a summer in Italy with my family sometime in the following year or so.

It seemed unlikely, even impossible.

My grandfathers and father didn’t have the time or money while raising their family to take a summer off. To go to Italy wouldn’t have even been a consideration and I could feel that generational fear underneath, deep in my bones.

But from all I teach, I knew it wasn’t impossible, I was just feeling a bit of scarcity. The team assured me it was all possible, and sooner than I thought.

It was a manner of planning and the marketing and content team figured out how to do it. The CEO had already given me more time to focus on my family in 2012 without taking a dip in income as he improved processes and margins.

During our conversation and planning session, I booked the villa for 18 months later—now it was real.

That summer in 2017, the business matured while I was in Italy.

I wasn’t on any stage.
And not only was the business able to sustain itself without me, but after a few weeks, they found new ways to bring additional people to the database and programs.

Buckminster Fuller teaches a concept called precession. The honeybee doesn’t intend to pollinate—it is a byproduct of the actions though. Dan Sullivan talks about something similar—strategic byproduct.

My intent was to have a summer with the family. The byproduct was being able to separate my identity from my business.

That wasn’t my plan.
It wasn’t even on my radar.

Another byproduct was the team matured and discovered new skill sets and new methods of generating business began without requiring my support.

I shouldn’t have been surprised.

This had happened years before when I had chosen to only work 1-1 with 5 clients at a time and we hired an amazing team of Financial Architects and Wealth Engineers.

Yet, I was still a bit more concerned about how the three-day Wealth Acceleration Workshop would go without me.

It went well.

Coming back from Italy, I went from teaching most (sometimes all) of the three days, to only the first day of our Wealth Acceleration Workshops.

Progress.

These workshops created predictable results for the team, and the attendees, and the process became less interesting to me.

Thanks in part to the marketing team’s capability to generate leads without me, 2017 was my highest income year to date.

Time to Sell

Before that summer, selling was never an option or a consideration.

But now I had plenty of time to think, to even be bored at times in a slower culture, and time by myself (which rarely happened before Italy).

It was this combination of time to think about what I really wanted, combined with some deep personal work after coming home, that allowed me to see in a moment, it was time to sell.

For a long time, I didn’t see a difference between myself and my business.
My confidence was wrapped in the feelings and results of any and all of our members.
My identity was tied to what I did.

But now I could see that business is a canvas to create value, a canvas for creation.

And as I began more consistently and intentionally working on myself, I focused on life design, my winning game.

I invested in more one-on-one experiences with coaches and mentors for personal clarity and healing.

This allowed me to design my life, be fully expressed, and leverage my strengths.

Daily, I began taking my meditation practice to heart, stopped listening to podcasts about sports or business, and started listening to my spiritual mentors’ recordings.

This, combined with time away, created the ability to listen to my inner voice. With a new level of self-awareness, I wondered what I would/could do with a blank canvas, in the void where there is a blank slate for creation.

This process, this work, created an awareness showing me my contribution to the business and how my mode and model were actually slowing the process down.

The first issue was trying to keep the peace as a sort of mediator, but creating tension through people pleasing.

People pleasing prevents communication and disrupts collaboration as people don’t feel seen or heard, diminishing their ability.

When people don’t communicate and hold back in order to avoid disruption, it leads to resentment and destroys trust. This is hard on the people that have to accept a situation that is less than ideal. In the name of keeping the peace, everyone is unexpressed and disconnected.

There were people in the firm loyal to me, therefore, at times undermining the operations, management, and growth of the company. I didn’t speak up or have them handle issues directly with executives and it created limitations in productivity and trust.

Sometimes the hard conversations are the most important to make things better, easier.

The tough part is when talented people want to do things one way and go rogue.

When I was taking time to write or on the road giving talks, or gone for a summer, my lack of presence was part of the problem. And the fact I don’t love to do operations or manage people, or hire and fire didn’t help either.

To be the leader I knew was required, I let the team know we would fully collaborate and communicate or I would actually sell the business. And I meant it.

The team all sat down together and made the effort. But I could see that changes needed to be made and it wasn’t in my wheelhouse to make those changes.

There were people who didn’t want to work there if I left, and there was quite a bit of turnover once I sold.

Reconsidering My Winning Game

But I had to consider my life, my vision, and my winning game.

How could I create the most value, have the most fun and feel the most fulfilled.
How could I make the biggest impact and live my values?
How could I play the game of business differently?

When I started in finance, the values of the company consisted of cash flow, economic independence, freedom, and value creation. A wonderful frame to view the world and create content in the world of finance.

One partner’s main focus was on scaling, control, and enterprise value.

These are great values—just not the values that speak to me, engage my best or allow for how I want to serve others and add value.

I want to connect and engage. People are the only assets in the world. And as the business grew, my connection to our members diminished. It went from faces, hugs, and letters to names in a chat while I presented.

I want to lead with value and vulnerability. To be who I am, to be myself and give people permission to do the same.

False scarcity, deep discounts, and courses that people rarely watch doesn’t align with who I am or where I am going.

I’ve made mistakes, I want to share the lessons. Sharing scars and the insights that come from those experiences are the keys to progress and being real.

Plus, I want to entertain and transform. Use humor, performance, and elements that lead to memorable experiences that shift the conversation and minds.

Finally, I think when people chase money, they are really looking to feel and be loved. I want to be loving and add the dimension of understanding and kindness that leads to healing. Rather than a one-way sales pitch, I want to see others, hear them, and be part of their journey. I want to grow with them and watch their progress.

With all of these factors in mind, the best way for me to grow was to let go. It was time to be true to my values, to my winning game, to the life that I love.

The Sale Goes Sideways

I chose not to use business brokers or comb through the finances. Instead, the time I would have taken in those meetings was reserved for writing, rehearsing, and performing a comedy special.

It allowed me to live my best life, embrace being an artist, and allow the team to allocate time and resources to prepare to work without me.

This worked great at first, but it did cost me in the end.

I was initially excited about some minimal, yet high impact involvement with my former company that would create long-term cash flow. I chose to take a licensing deal rather than a lump sum.

It worked…until it didn’t.

I would show up for webinars once a month and film some videos for ads. But the percentages were unilaterally changed (as per a provision in the contract).

A few months later, I chose to remove my name, image, and likeness for a full separation and fully embrace my personal brand and form a new company.

I no longer work with Wealth Factory in any capacity. I no longer know anyone who works in the home office.

The first two years after I sold, we had a great working relationship, but that came to an end.

I had responsibility in this relationship ending.

There were times I didn’t speak up or have the hard conversations along the way. It took me longer than planned to set up my website and point leads to Wealth Factory’s direction which they expected I would do sooner.

The divergent management styles of the CEO and myself didn’t allow for the best results.

My style can be described as full of passion and inspiration but with inconsistency as I would travel, and write, therefore having periods of time without leadership.

Seeing My Weaknesses

I am clear about my weaknesses:

Hiring and Firing
I did fire people, but usually long after it was time. It is hard to see someone hurt or upset. Yet, it isn’t in their best interest to be in a job where they either don’t love it, are disengaged, or simply not performing. One of the things I do feel best about, most everyone that I did let go of, eventually thanked me and we have a relationship today.

Operations
Creating content is different from building processes that allow performance and predictable results. I might be able to do operations at an adequate level if I were to emphasize and prioritize them, but I am not uniquely gifted in this arena.

Details
This is still something that I am working on and managing with increased communication, but it requires daily effort. Wealth Factory has a lot of moving pieces and plenty of details.

Consistency
Creation comes in spurts. Doing the same things over and over becomes very mundane for me. I am consistent in my spiritual practice, health practice, and in writing. But when it comes time to do the same things over and over in business, I lose interest, and that limits the capability and speed of implementation for the team.

Loyalty
Loyalty can be a great strength, but also a weakness. When loyalty removes accountability or prevents production, it is a hindrance. It can be great to give people the benefit of the doubt, but there can also be a “labeling” of people that isn’t empowering at all.

For example, “That is just how they are.” Letting them get away with things for too long becomes habitual and they are loyal because they don’t have to be responsible.

Focusing On My Strengths

I am even more clear about my strengths:

Vision
Creating one, helping others get clear on one. When we see beyond what we can do on our own, it allows for other people’s support. Vision is the ultimate container in which to create value. Vision is the rarest commodity. When it is murky or undefined, busyness takes over and it can be exhausting and be part of the reason people want to sell. My vision:
“To plant a seed of hope, connection, and expression in the hearts of one billion people through entertainment”.

Creation and Content
I see things about money, and life design that seems impossible or elusive to others. I especially love to write books and workbooks, and courses, or even make money more fun by making fun of bad money ideas through comedy.

Coaching and Mentoring
I love to ask people questions they would never think to ask themselves and unlock new levels of potential. To be able to go deep and accelerate results. I love facilitating breakthroughs and creating clarity, confidence, and peace of mind. This is why to this day, I chose to do one-on-one life-changing immersions to help people create their richest life. In the past, I could carve out the time for about ten per year, but now I am able to do around twenty-four.

Speaking and Teaching
I want to be world-class at delivering from stage, blending entertainment and education, and that requires developing new skills and time to rehearse, write, and even be coached (flying to LA every month). This is using elements of performance, comedy, and speaking to blend work and play for a more meaningful and memorable experience.

Building Relationships and Making Connections
This is joyful for me. Connecting two people and seeing them achieve more together, but especially having people I can learn from, love on, and connect with. In my one-on-one immersions, I open up all of my Relationship Capital to support the results for implementation. Often saving years of research, work, and time in implementation.

The New Vision

My vision now is to plant a seed of hope, expression, and connection in the hearts of one billion people through entertainment, and to help people heal their relationship with money.

To be a Catalyst, I want to be free to discover great financial organizations and also license my content to advisors that align with my values. Collaborate.

The program I was most involved with and attached to was called Freedom FastTrack, which no longer fit the Wealth Factory model. So I sold that part to Scott Ford, a wonderful friend and collaborator.

Wealth Factory chose to move forward with a more scalable program that I felt less connected to. It was hard to go from being directly connected to our members and seeing the results firsthand, to having less predictable results.

I missed the feeling of working with people, facilitating breakthroughs, and being acknowledged for my role in their life. That is exactly why I continue to find joy in immersions and they continue to be a big part of my life.

Even though this has been tough, I am still grateful. By selling the company, letting go of the areas that weren’t my best, and focusing on my strengths I was able to film a comedy special, write three new books, and focus on my theatrical keynote.

Selling = space.

I had space to know my win with absolute clarity. To live what I teach and love my life.

Dan Sullivan taught me to look at things from 20 to 25-year viewpoints. It had been 23 years of building a Virtual Family Office financial firm. It was time for the next chapter, the next phase, and my winning game.

Again, let go to grow and that is exactly what has happened.

I have grown in my purpose, clarity, and as a person.
I want to dedicate the next twenty years to using entertainment to educate.
To write, perform, and create to reach more people, in ways they wouldn’t otherwise be reached.
To have the delivery method be more memorable, inventive, and fun.

Immersions keep me grounded in results, to stay sharp, and connected. This allows me to help architect a plan and watch the implementation. And not just watch, but open my Rolodex (yeah, I know that makes me sound old) to support the process.

So, what do you want?
What do you want to create?
Is your career everything you want it to be?
If not, who could you co-create with, or partner with, or even sell to?

Maybe you don’t own a business and it is finally time to develop what you do best and let go of the things that hold you back.

My commitment is to live my richest life and to inspire and support others to do the same.

My wife used to ask, “Why can’t you just sell life insurance?”

That was my first career and I was good at it. But the answer was and still is, it doesn’t fulfill me at the same level as writing, speaking, and inventing.

I love doing things that haven’t been done before.

A comedy special about money.
A theatrical keynote where I act out the four money personas.

These are challenging and exciting to me. Not the easiest path for sure, but the one I enjoy the most.

My program “Multiplier” takes all of my lessons, strengths, and passion to help people break free from financial bondage. To get their financial house in order. To heal their relationship with money. To find economic independence with the right information, in the right order, with the right resources.

I’m excited, empowered and loving the process of creation and being able to connect with people in a way that is consistent with how I am best at providing value.

I took time to listen. To ponder. To discover.

Are you listening to that inner voice?
What do you have to let go to grow?

Are you committed to living your richest life?

3 thoughts on “The Truth of Why I Sold My Business (and What You Can Learn from It)

  1. Thank you Garrett!
    relationships builder 🙂

    You’ve reminded me my own ways of self expression since I heard your interview on Self esteem summit & found your character and work so fascinating!

    Full heart, deep thought.
    Your dear space to create.
    You earn every bit of it
    while it gets more precise
    elegant, and delicate.

    I wonder about the ideal of “retiring-in-your-own-business”,
    might look different once you actualize it. I can imagine your
    liberation to go with your free flow all the way AGAIN.

    Today you are your own modern ‘artistic patron’. A creator
    persists with align-your-resources-behind a soul-purpose.

    I get what you mean with identity separated from business. Those comedy
    pop ups have always there! Remember that silly blue bird cartoon on one
    of the serious accredited network videos? Who else would do such out of the blue stuff to keep things happy and chirpy?

    Back then I knew you got to get out of the well
    optimized cost segregated building to a cabin near the lake. That’s obvious.

    That’s why I remember you as my favorite educator for finance, wealth and legacy. For your artistic ways to stand out in a monotone jungle, make fun..
    and balance education and entertainment well.

    Thank you for being an advocator that is so so
    helpful and sane for all what you’ve been doing.

    That you speak to multiple parts of my brain
    due to your non-mistaken LIVING passion!

    While your humanistic behavior sure brought
    you challenges that is what brought me to you.

    Greetings for upcoming kids book you contributed to,
    for your compassion in action for the next generation!

    Those are the things you are privileged to do more of, to
    get the word out, supports mission via different channels.

    I’m far beforehand, missed original FreedomFastTrack
    and made recently foolish mistakes that cost my peace
    of mind fund. I’m responsible to get eligible to work with
    you and your partner-firm-team as soon as it plays.

    1. Elad, Thanks for such kind words and a vulnerable share. Thanks for recognizing my craft and value, it is appreciated. I am happy that it has made an impact for you and look forward to supporting you further. To learning lessons, rebuilding with new knowledge, and living your Soul Purpose.

  2. I’m so proud of you Garrett. I’ve been following you for awhile now. I just love your confidence around money. You helped me get my own bank.
    Thank you.

    Keep being creative!

    Oh, I hope this doesn’t sound like the reason I’m committing. It’s not. I was just reading because I wanted to know why you and Wealth Factory parted.
    If you’re looking for entertainment investments that align with your values, DM me on X @AndrewhallX. I’m in the idea phase, the right investor for this documentary could get everything rolling. Kids, nature, & new.

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