prosperus
Every story is unique. You deserve planning that's truly personal.
Holistic business, financial, and personal planning designed with your journey in mind!
Get ready for a planning experience unlike any other
You deserve better than cookie cutter. Let's build a plan that works for you!
Discovery
Let's get to know each other and discuss your goals. What is working and what would you like to improve?
Planning Strategy
Develop a personalized philosophy. Identify a starting point and key goals to track progress of our time together.
Living in Success
From monthly planning sessions to needs-based check-ins, keeping our eye on the prize to hit your goals!
trusted by the best
Building community amongst value-aligned leaders
Preaching what we practice
Nate founded Ruben Digital, a marketing agency located in Chicago's suburbs. Serving 150+ clients over eight years, he completed the Goldman Sachs 10KSB program, and had a successful exit!
"I enjoy solving problems and taking on challenges. There is more joy in the journey than destination. Nothing brings me greater joy than helping someone else find their way along the path!"
Nate started financial planning at Northwestern Mutual. He helped 100+ clients implement financial plans, led new hire mentorship sessions, and presented keynote at university recruitment events. Nate completed the Exit Planning Institute's advisor program, and now helps entrepreneurs successfully scale and sell businesses.
Nate (N8) Ruben, CEPA®
Host of the Much Love Podcast
Gratitude From Our Members
Membership Benefits
Say goodbye to hidden fees & commissions. Say hello to a plan made just for you!
Monthly Planning Session
Personalized Prosperity Plan
Shared Task Management
Realtime Net Worth & Investment Dashboard
Access to Vetted Network Professionals
Unlimited Video, Email, and Phone Support
Areas of Focus
Our members seek leadership on the topics below and much more!
Access to Funding
Business Growth
Exit Planning
Generational Planning
Health & Wellness
Investment Education
Legal Planning
Meditation Mentorship
Philanthropic Giving
Real Estate
Risk Management
Tax Strategy
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Frequently Asked Questions
Why should I become a prosperus member?
If you are anything like our current members, you have big goals and believe it takes a team to achieve them. Perhaps you have been less than satisfied with a traditional financial planning offer, or you've been looking for someone to help take your business to the next level? If you are building something worth sharing, you will make an excellent fit to join our network. Our newsletter, podcast, and social accounts reach tens of thousands of people, and the best referrals come from consistent interaction. The more we get to know you, the easier it is to connect you to great people!
Who is a good fit to be your client?
- People dissatisfied with traditional financial planning
- First-time entrepreneurs looking for help along the path
- Founders with growing business ready to strategize their exit
- High-end service providers looking to transcend commoditization
- Multi-generational owners who've inherited a business they'd like to sell
- Profitable small business owners looking to protect their company and diversify their investments
- Individuals interested in Meditation Mentorship, Technology Upskilling, Time Management, and Work-Life Harmony
What is prosperity planning?
Prosperity planning is a holistic approach to business, financial, and personal planning. Our education and accountability system is custom tailored for entrepreneurs seeking something different. We co-create process and accountability around work-life integration, time management, finances, and technology.
How does prosperity planning differ from financial planning?
The goal of Prosperity Planning is to transcend the "What" of your financial plan and focus on the "Why" that drives your personal life mission. Our collaboration will provide the basis for creating a unique "How" for living your dream without the bias or limitation of any one service provider. N8 Ventures LLC does not provide financial advice, recommend or solicit purchase of any securities, sell any financial instrument/insurance products, or take custody of client assets.
How do the monthly/annual plans differ from the enterprise plan?
The monthly and annual plans represent our standard membership offering. This is suitable for an individual looking for our core planning membership.
Our enterprise plan is a custom offering for a deeper dive into your business. This plan is suitable for members looking to do comprehensive exit planning to prepare their business for sale, or who are looking to bring on a dedicated executive advisor to work within their existing team. We have brought creative direction to marketing departments, developed financial models for new service offerings, and sourced talent for new teams.
What is exit planning?
- Exit planning is an intentional process to holistically balance:
- Personal - What does life look like now and after an exit?
- Financial - Have you planned properly for wealth goals?
- Business - Have you created enterprise value worth acquiring?
- An exit plan asks and answers all the business, personal, financial, legal and tax questions involved in transitioning a privately owned business.
- It includes contingencies for illness, burnout, divorce, and death.
- Its purpose is to maximize the value of the business at the time of exit, minimize taxes, and ensure the owner is able to accomplish all his or her personal and financial goals in the process.
Why is exit planning needed?
- Only 20 to 30% of businesses that go to market actually sell
- 80-90% of the owner's wealth is trapped in their company
- 50% of exits are non-voluntary: Death, Divorce, Disability, Distress, Disagreement
- 60% of owner’s do not understand their exit options
- 80% have not engaged with or formed a transition advisory team
- 75% of owner’s profoundly regret selling their business just a year after selling
How does the exit planning process work?
There are three stages in the exit planning process:
- Discover - Where are you and your business today?
- Prepare - What steps do we need to take to be ready to sell?
- Decide - Do we want to prepare to go to market or keep building value?
To start, we conduct a discovery assessment to uncover:
- Your personal wealth gap
- Your business profit and value gaps
- An initial range of value your business could theoretically sell for today