Before You Sell
The business owner’s guide to exit planning, owner retirement plans, and wealth after the sale.
Buy on Amazon Kindle, paperback and hardcover
On this site: About the book · Free resources for readers
Books · James R. Ustby, CFP®
Books by James Ustby
Plain-English books on selling a business, owner retirement plans, Medicare premiums, Roth conversions, and the money tasks after losing a spouse. Each one is on Amazon, and most have a free companion page on this site.
The free worksheets and pages on this site need no signup.
Outside the Business
Book 2 of The Owner’s Wealth Series: owner retirement plans in plain language, including a solo 401(k) and a cash balance plan.
Buy on Amazon Kindle, paperback and hardcover
On this site: Free Owner’s Plan Stack Worksheet (PDF)
Medicare IRMAA, Explained
A plain-English guide to Medicare’s income-related premiums: how the 2026 brackets work, what counts as income, and how to ask Social Security for a new decision with Form SSA-44.
Buy on Amazon Kindle and paperback
On this site: Medicare IRMAA calculator
The Roth Conversion Decision
Whether, when, and how much to convert: the room in your bracket, the ripple effects and cliffs, and the years to RMD age.
Buy on Amazon Kindle and paperback
On this site: Free Roth conversion worksheets (PDF)
The Widow’s Money Checklist
What to do in the first 30 days, 90 days and first year after losing a spouse, and what can wait.
Buy on Amazon Kindle and paperback
On this site: The first-year money checklist
Educational only. Not tax, legal, or investment advice. All examples in the books are hypothetical. Buying a book does not create an advisory relationship. Amazon links open amazon.com in a new tab.
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