Wealth Insights

The Architect's Journal

Tactical advice on deal structure, territory negotiation, and exit planning.

Finance
Oct 12, 2023
12 min read

The Math Behind Multi-Unit Ownership: Why 1+1=3

Single-unit ownership is a job. Multi-unit ownership is wealth. Here is the exact breakdown of how overhead scales inversely with unit count.

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Due Diligence
Oct 05, 2023
15 min read

5 FDD Red Flags That Should Kill The Deal Immediately

I have reviewed over 300 Franchise Disclosure Documents. These are the subtle clauses that look innocent but can bankrupt you in Year 3.

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Strategy
Sep 28, 2023
11 min read

Negotiating Territory: Don't Settle for a Radius

A 3-mile radius means nothing if it's 3 miles of ocean. Learn how to carve out territory based on zip codes, demographics, and future development.

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Due Diligence
Sep 21, 2023
14 min read

Item 19 Exposed: How to Read Franchisee Financial Performance Claims

Item 19 is the only place a franchisor can legally show you the money. Most hide behind averages and asterisks. Here is how to extract the truth.

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Finance
Sep 14, 2023
16 min read

The True Cost of a Franchise: Beyond the Initial Investment

The franchise fee is just the door charge. The real costs hide in royalties, required vendors, technology fees, and a dozen line items the FDD buries in fine print.

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Due Diligence
Sep 07, 2023
13 min read

The Validation Call Script: Exactly What to Say to Current Owners

The FDD gives you data. Franchisees give you truth. Here is the exact script to extract honest answers from current owners — and how to read what they are not saying.

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Finance
Jan 18, 2024
14 min read

SBA Loans for Franchises: What Banks Actually Look For

The SBA 7(a) program is the most common path to franchise financing. Here is what lenders evaluate, what kills applications, and how to position yourself for approval.

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Finance
Mar 14, 2024
15 min read

How to Model Your Break-Even Point Before Signing the FDD

The franchisor will tell you when you should break even. They are wrong. Here is how to build your own model using real numbers, honest assumptions, and stress tests that reveal whether the deal actually works.

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Strategy
May 09, 2024
11 min read

The Operator vs. Architect Mindset: Why Most Franchisees Stay Stuck

Some franchisees work 60 hours a week and barely survive. Others own ten units and play golf on Tuesdays. The difference is not capital or luck — it is how they think about the business.

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Operations
Jul 11, 2024
13 min read

Building Your Management Layer: When to Hire Your First GM

The leap from owner-operator to multi-unit requires one critical hire: a General Manager who can run the business without you. Here is how to know when you are ready, what to look for, and how to structure the role for success.

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Exit Strategy
Sep 19, 2024
14 min read

What Private Equity Looks for in a Franchise Portfolio

PE firms are buying franchise portfolios at record valuations. Here is exactly what makes a portfolio attractive to institutional buyers — and how to build one they will pay a premium for.

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Exit Strategy
Nov 14, 2024
12 min read

Franchise Resale Multiples: What's Your Business Actually Worth?

The multiple you hear quoted at discovery day is fantasy. Here is how franchises are actually valued in the resale market — and the levers that separate a 2x sale from a 5x sale.

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Strategy
Jan 16, 2025
13 min read

Area Development Agreements: When to Lock Up Multiple Territories

An ADA is your land grab — the contract that reserves your right to build an empire before competitors claim the territory. Here is when it makes sense, what to negotiate, and the traps that turn opportunity into obligation.

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Due Diligence
Mar 13, 2025
12 min read

Franchise Broker Red Flags: When Your 'Advisor' Is Really a Salesperson

Franchise brokers call themselves consultants. They are paid by franchisors to close deals. Here is how their compensation model creates conflicts — and how to protect yourself.

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Due Diligence
May 15, 2025
14 min read

The Franchise Discovery Day: What They Show You vs. What You Should See

Discovery Day is the franchisor's final sales pitch disguised as due diligence. Here is how to cut through the presentation and evaluate what actually matters.

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Finance
Jul 17, 2025
11 min read

Franchise Royalty Structures: Fixed vs. Percentage and Why It Matters

That 6% royalty looks small until you calculate what it costs over ten years. Here is how different royalty structures affect your cash flow, break-even timeline, and long-term wealth.

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