<p><strong>88% 的企業主計劃在 10 年內轉讓部分或全部財務股份，但很少有人以退休為目標，新的研究發現</strong></p>
<p>佛羅里達州聖彼得堡，2025 年 12 月 30 日（GLOBE NEWSWIRE）——一項新的瑞傑金融調查對 500 多位私營企業主進行了詢問，瞭解他們如何看待自己的生計、未來以及兩者交匯的地方。結果數據顯示，88% 的企業主計劃在未來十年內部分或全部退出其業務，顯示出對全面財富規劃的迫切需求。</p>
<p>“剝離業務不僅僅是一次交易，而是一種轉變，” 瑞傑金融全球財富解決方案負責人比爾·蘇格林（Bill Seugling）表示。“由於他們的生活與企業緊密相連，企業主需要深入的戰略。無論目標是退休、再投資還是傳承，企業主都可以將業務轉型變成確保未來和保護最重要事物的機會。”</p>
<p>主要發現包括：</p>
<ul>
<li>已經設想退出的企業主並不將其視為結束：即使在轉讓部分或全部財務股份後，三分之一的人仍將繼續在當前企業工作，30% 的人打算投資或收購新企業。</li>
<li>20% 的人計劃退休。</li>
<li>大多數受訪者不會遠尋接班人，35% 的企業主將把業務轉讓給家庭成員，另有 23% 將選擇非家庭內部利益相關者。</li>
</ul>
<p>調查進一步探討了企業主如何為公司和個人財富的未來做準備，揭示了將其最大資產轉化為實際個人財富的獨特挑戰。</p>
<p><strong>資產集中</strong></p>
<p>企業主通常將大量個人財富投入到他們的公司中。這種集中強調了長期個人財富規劃和多樣化的重要性。</p>
<ul>
<li>幾乎一半的受訪者（44%）表示，他們的企業佔其財富的一半以上，而 90% 的人表示它至少佔四分之一。</li>
</ul>
<p><strong>轉型時間表</strong></p>
<ul>
<li>超過一半（56%）的人計劃在未來五年內完全或部分轉讓其財務股份，絕大多數（88%）計劃在 10 年內這樣做。</li>
<li>值得注意的是，85% 的受訪者報告稱已制定轉型計劃，強調了管理挑戰和為順利交接做準備的重要性。</li>
</ul>
<p>“現在是規劃的最佳時機，尤其是對於那些轉型時間表在未來五年內的企業主，” 瑞傑金融私人財富諮詢副總裁邦妮·哈珀（Bonnie Harper）表示。“擁有一個個人財富計劃至關重要，以確保您在企業中投入的努力成為您設想生活的基礎。”</p>
<p><strong>增長資本需求</strong></p>
<p>85% 的企業主預計需要額外資本來推動未來的業務增長。當被問及他們會考慮哪些增長資本來源時，受訪者選擇了：</p>
<ul>
<li>私募股權（52%）</li>
<li>傳統/銀行貸款（50%）</li>
<li>個人資金（43%）</li>
<li>基於證券的信用額度（43%）</li>
<li>個人貸款（40%）</li>
</ul>
<p>為了選擇最佳來源，企業主必須權衡對其業務和期望結果的權衡，包括他們是否願意與外部投資者分享控制權，或希望將業務轉讓給家庭成員或關鍵員工。</p>
<p><strong>未來計劃</strong></p>
<p>展望未來，</p>
<p>35%</p>
<p>的企業主打算將其業務轉讓給家庭成員。在估值超過</p>
<p>1500 萬美元</p>
<p>的企業主中，這一比例上升至</p>
<p>44%</p>
<p>。</p>
<p>在這種轉型中，考慮到家庭動態和非家庭內部利益相關者，周到和及時的規劃顯得尤為重要。這些領導層的變化不僅可能重新定義所有權結構，還可能引發大規模的代際財富轉移。</p>
<p><strong>未來業務成功</strong></p>
<p>當被問及什麼會影響他們業務的未來成功時：</p>
<ul>
<li>22% 的企業主認為進入新市場是一個關鍵因素。</li>
<li>經濟環境排名第二，佔 17%。</li>
<li>15% 的企業主表示對服務/產品的需求。</li>
<li>以人為本的因素，包括招聘/留住人才（12%）和下一代領導力的準備（11%）在列表的底部。</li>
</ul>
<p>雖然受訪者認為市場擴張和經濟條件等外部因素對未來成功至關重要，但以人為本的優先事項，如人才留存和領導力發展，排名較低，顯示出戰略增長雄心與維持所需人力資本之間的潛在差距。</p>
<p>有關企業主如何規劃其業務和財務未來的更多信息，請訪問 www.raymondjames.com/business-wealth。</p>
<p><strong>方法論</strong></p>
<p>本次調查於 2025 年 4 月 7 日至 18 日進行，樣本為 540 名企業主。訪談在線進行，數據經過加權，以近似目標樣本的性別、教育程度、年齡、種族和地區。完整調查結果的誤差範圍為正負 4 個百分點。</p>
<p>企業主被定義為在美國年滿 18 歲、在私營部門工作或自僱，並在擁有 6 至 1000 名員工的私營公司中擁有 5 年以上股份的人。</p>
<p><strong>關於瑞傑金融公司</strong></p>
<p>瑞傑金融公司（NYSE: RJF）是一家領先的多元化金融服務公司，為個人、企業和市政提供私人客户組、資本市場、資產管理、銀行及其他服務。客户資產總額為 1.77 萬億美元。自 1983 年上市以來，該公司在紐約證券交易所上市，股票代碼為 RJF。更多信息請訪問 www.raymondjames.com。</p>
<p><img src="https://imageproxy.pbkrs.com/https://www.globenewswire.com/newsroom/ti/query-bmY9T1RZeE9ETXlNQ00zTXpRd01ETTRJekl5TURrMk5qZz0?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" width="1" height="1" original-src="https://imageproxy.pbkrs.com/https://www.globenewswire.com/newsroom/ti/query-bmY9T1RZeE9ETXlNQ00zTXpRd01ETTRJekl5TURrMk5qZz0"/></p>
<p><img src="https://imageproxy.pbkrs.com/https://ml.globenewswire.com/media/NGY1NjhjNTgtNjc3NC00ODQ0LWFmZGEtZjhkMWM1YzVhYTUxLTEyMjEyMjEtMjAyNS0xMi0zMC1lbg==/tiny/Raymond-James-Financial.png?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" width="1" height="1" original-src="https://imageproxy.pbkrs.com/https://ml.globenewswire.com/media/NGY1NjhjNTgtNjc3NC00ODQ0LWFmZGEtZjhkMWM1YzVhYTUxLTEyMjEyMjEtMjAyNS0xMi0zMC1lbg==/tiny/Raymond-James-Financial.png"/></p>
<pre><code> 賈娜·富勒 瑞傑金融 7275672824 mediarelations@raymondjames.com
</code></pre>

瑞傑金融

<p>一項瑞傑金融的調查顯示，88% 的企業主計劃在未來十年內轉讓他們的財務權益，其中許多人並不打算退休。關鍵發現包括 56% 的人打算在五年內進行轉讓，85% 的人有轉讓計劃。企業主們還在尋求增長資本，85% 的人預計將需要額外資金用於業務擴展。調查強調了個人財富規劃的重要性以及將商業資產轉化為個人財富的挑戰，因為許多企業主的財富與他們的公司緊密相連</p>

<p><strong>88% of business owners plan to transition some or all of financial stake within 10 years, but few aim for retirement, new study finds</strong></p>
<div class="lb-trans"><p><strong>88% 的企業主計劃在 10 年內轉讓部分或全部財務股份，但很少有人以退休為目標，新的研究發現</strong></p>
</div><p>St. Petersburg, Fla., Dec. 30, 2025 (GLOBE NEWSWIRE) -- A new Raymond James survey of more than 500 owners of privately held businesses asked how they’re approaching their livelihoods, their futures and the places where the two intersect. The resulting data reveals the coming need for a comprehensive wealth plan for many as 88% plan to financially exit their business, either partially or fully, within the next decade.</p>
<div class="lb-trans"><p>佛羅里達州聖彼得堡，2025 年 12 月 30 日（GLOBE NEWSWIRE）——一項新的瑞傑金融調查對 500 多位私營企業主進行了詢問，瞭解他們如何看待自己的生計、未來以及兩者交匯的地方。結果數據顯示，88% 的企業主計劃在未來十年內部分或全部退出其業務，顯示出對全面財富規劃的迫切需求。</p>
</div><p>“Divesting a business is more than a transaction, it’s a transformation,” said Bill Seugling, senior vice president, head of Raymond James Global Wealth Solutions. “With so much of their lives tied to an enterprise, business owners need strategies that dig deep. Regardless of whether the goal is retirement, reinvestment or legacy, owners can turn a business transition into an opportunity to secure their future and preserve what matters most.”</p>
<div class="lb-trans"><p>“剝離業務不僅僅是一次交易，而是一種轉變，” 瑞傑金融全球財富解決方案負責人比爾·蘇格林（Bill Seugling）表示。“由於他們的生活與企業緊密相連，企業主需要深入的戰略。無論目標是退休、再投資還是傳承，企業主都可以將業務轉型變成確保未來和保護最重要事物的機會。”</p>
</div><p>Key findings include:</p>
<div class="lb-trans"><p>主要發現包括：</p>
</div><ul>
<li>Owners who are already envisioning an exit don’t see it as an ending: Even after transitioning some or all of their financial stake, one-third will continue working at their current business while 30% intend to invest in or acquire a new one.</li>
<li>20% plan to retire.</li>
<li>A majority of respondents won’t look far for a successor as 35% of owners will transition their business to a family member while another 23% will tap a nonfamily internal stakeholder.</li>
</ul>
<div class="lb-trans"><ul>
<li>已經設想退出的企業主並不將其視為結束：即使在轉讓部分或全部財務股份後，三分之一的人仍將繼續在當前企業工作，30% 的人打算投資或收購新企業。</li>
<li>20% 的人計劃退休。</li>
<li>大多數受訪者不會遠尋接班人，35% 的企業主將把業務轉讓給家庭成員，另有 23% 將選擇非家庭內部利益相關者。</li>
</ul>
</div><p>The survey further explores how business owners are preparing for the future of their companies and personal wealth, uncovering the unique challenges of converting what is likely their largest asset into realized personal wealth.</p>
<div class="lb-trans"><p>調查進一步探討了企業主如何為公司和個人財富的未來做準備，揭示了將其最大資產轉化為實際個人財富的獨特挑戰。</p>
</div><p><strong>Asset concentration</strong></p>
<div class="lb-trans"><p><strong>資產集中</strong></p>
</div><p>Business owners often have significant personal wealth tied up in their companies. This concentration underscores the importance of long-term personal wealth planning and diversification.</p>
<div class="lb-trans"><p>企業主通常將大量個人財富投入到他們的公司中。這種集中強調了長期個人財富規劃和多樣化的重要性。</p>
</div><ul>
<li>Nearly half of respondents (44%) said their business accounts for more than half their wealth, while nine in 10 said it represents at least a quarter.</li>
</ul>
<div class="lb-trans"><ul>
<li>幾乎一半的受訪者（44%）表示，他們的企業佔其財富的一半以上，而 90% 的人表示它至少佔四分之一。</li>
</ul>
</div><p><strong>Transition timeline</strong></p>
<div class="lb-trans"><p><strong>轉型時間表</strong></p>
</div><ul>
<li>More than half (56%) plan to fully or partially transition their financial stake within the next five years and a vast majority (88%) plan to do so within 10 years.</li>
<li>Notably, 85% of respondents report having a transition plan in place, highlighting the significance of managing challenges and preparing for a smooth handoff.</li>
</ul>
<div class="lb-trans"><ul>
<li>超過一半（56%）的人計劃在未來五年內完全或部分轉讓其財務股份，絕大多數（88%）計劃在 10 年內這樣做。</li>
<li>值得注意的是，85% 的受訪者報告稱已制定轉型計劃，強調了管理挑戰和為順利交接做準備的重要性。</li>
</ul>
</div><p>“The time to plan is now, especially for those business owners whose transition timeline is within the next five years,” said Bonnie Harper, vice president, Private Wealth Consulting at Raymond James. “It’s important to have a personal wealth plan that ensures the effort you’ve invested in your business becomes the foundation for the life you envision.&#34;</p>
<div class="lb-trans"><p>“現在是規劃的最佳時機，尤其是對於那些轉型時間表在未來五年內的企業主，” 瑞傑金融私人財富諮詢副總裁邦妮·哈珀（Bonnie Harper）表示。“擁有一個個人財富計劃至關重要，以確保您在企業中投入的努力成為您設想生活的基礎。”</p>
</div><p><strong>Growth capital needs</strong></p>
<div class="lb-trans"><p><strong>增長資本需求</strong></p>
</div><p>85% of owners anticipate needing additional capital to power future business growth. When asked to identify all sources they would consider for growth capital, respondents selected:</p>
<div class="lb-trans"><p>85% 的企業主預計需要額外資本來推動未來的業務增長。當被問及他們會考慮哪些增長資本來源時，受訪者選擇了：</p>
</div><ul>
<li>Private equity (52%)</li>
<li>Traditional/bank loan (50%)</li>
<li>Personal funds (43%)</li>
<li>Securities based line of credit (43%)</li>
<li>Personal loan (40%)</li>
</ul>
<div class="lb-trans"><ul>
<li>私募股權（52%）</li>
<li>傳統/銀行貸款（50%）</li>
<li>個人資金（43%）</li>
<li>基於證券的信用額度（43%）</li>
<li>個人貸款（40%）</li>
</ul>
</div><p>To choose the best source, owners must weigh the trade-offs for their business and desired outcome, including whether they’re willing to share control with outside investors or wish to transition the business to a family member or key employees.</p>
<div class="lb-trans"><p>為了選擇最佳來源，企業主必須權衡對其業務和期望結果的權衡，包括他們是否願意與外部投資者分享控制權，或希望將業務轉讓給家庭成員或關鍵員工。</p>
</div><p><strong>Future plans</strong></p>
<div class="lb-trans"><p><strong>未來計劃</strong></p>
</div><p>Looking ahead,</p>
<div class="lb-trans"><p>展望未來，</p>
</div><p>35%</p>
<div class="lb-trans"><p>35%</p>
</div><p>of owners intend to transition their business to a family member. Among owners of businesses valued at more than</p>
<div class="lb-trans"><p>的企業主打算將其業務轉讓給家庭成員。在估值超過</p>
</div><p>$15 million</p>
<div class="lb-trans"><p>1500 萬美元</p>
</div><p>, that figure rises to</p>
<div class="lb-trans"><p>的企業主中，這一比例上升至</p>
</div><p>44%</p>
<div class="lb-trans"><p>44%</p>
</div><p>.</p>
<div class="lb-trans"><p>。</p>
</div><p>Thoughtful and timely planning holds extra importance in this type of transition given familial dynamics and nonfamily internal stakeholders. These leadership changes could not only redefine ownership structures but may also trigger a large intergenerational wealth transfer.</p>
<div class="lb-trans"><p>在這種轉型中，考慮到家庭動態和非家庭內部利益相關者，周到和及時的規劃顯得尤為重要。這些領導層的變化不僅可能重新定義所有權結構，還可能引發大規模的代際財富轉移。</p>
</div><p><strong>Future business success</strong></p>
<div class="lb-trans"><p><strong>未來業務成功</strong></p>
</div><p>When asked what would impact the future success of their business:</p>
<div class="lb-trans"><p>當被問及什麼會影響他們業務的未來成功時：</p>
</div><ul>
<li>22% of business owners identified expansion into new markets as a critical factor.</li>
<li>Economic environment ranked second at 17%.</li>
<li>15% of owners said demand for service/product.</li>
<li>People-centric factors, including hiring/retaining people (12%) and readiness of next generation leadership (11%) ranked at the bottom of the list.</li>
</ul>
<div class="lb-trans"><ul>
<li>22% 的企業主認為進入新市場是一個關鍵因素。</li>
<li>經濟環境排名第二，佔 17%。</li>
<li>15% 的企業主表示對服務/產品的需求。</li>
<li>以人為本的因素，包括招聘/留住人才（12%）和下一代領導力的準備（11%）在列表的底部。</li>
</ul>
</div><p>While respondents see external forces like market expansion and economic conditions as critical to future success, people-centric priorities, such as talent retention and leadership development, ranked lower, signaling a potential gap between strategic growth ambitions and the human capital needed to sustain them.</p>
<div class="lb-trans"><p>雖然受訪者認為市場擴張和經濟條件等外部因素對未來成功至關重要，但以人為本的優先事項，如人才留存和領導力發展，排名較低，顯示出戰略增長雄心與維持所需人力資本之間的潛在差距。</p>
</div><p>For more information on how business owners are planning for their business and financial futures, visit www.raymondjames.com/business-wealth.</p>
<div class="lb-trans"><p>有關企業主如何規劃其業務和財務未來的更多信息，請訪問 www.raymondjames.com/business-wealth。</p>
</div><p><strong>Methodology</strong></p>
<div class="lb-trans"><p><strong>方法論</strong></p>
</div><p>This poll was conducted between April 7-18, 2025, among a national sample of 540 business owners. Interviews were conducted online and the data were weighted to approximate a target sample of adults based on gender, educational attainment, age, race and region. Results from the full survey have a margin of error of +/- 4 percentage points.</p>
<div class="lb-trans"><p>本次調查於 2025 年 4 月 7 日至 18 日進行，樣本為 540 名企業主。訪談在線進行，數據經過加權，以近似目標樣本的性別、教育程度、年齡、種族和地區。完整調查結果的誤差範圍為正負 4 個百分點。</p>
</div><p>Business owners are classified as those who are 18+ in the United States, who work in the private sector or are self-employed and have an ownership stake of 5+ years at a privately held company with 6-1,000 employees.</p>
<div class="lb-trans"><p>企業主被定義為在美國年滿 18 歲、在私營部門工作或自僱，並在擁有 6 至 1000 名員工的私營公司中擁有 5 年以上股份的人。</p>
</div><p><strong>About Raymond James Financial, Inc.</strong></p>
<div class="lb-trans"><p><strong>關於瑞傑金融公司</strong></p>
</div><p>Raymond James Financial, Inc. (NYSE: RJF) is a leading diversified financial services company providing private client group, capital markets, asset management, banking and other services to individuals, corporations and municipalities. Total client assets are $1.77 trillion. Public since 1983, the firm is listed on the New York Stock Exchange under the symbol RJF. Additional information is available at www.raymondjames.com.</p>
<div class="lb-trans"><p>瑞傑金融公司（NYSE: RJF）是一家領先的多元化金融服務公司，為個人、企業和市政提供私人客户組、資本市場、資產管理、銀行及其他服務。客户資產總額為 1.77 萬億美元。自 1983 年上市以來，該公司在紐約證券交易所上市，股票代碼為 RJF。更多信息請訪問 www.raymondjames.com。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://www.globenewswire.com/newsroom/ti/query-bmY9T1RZeE9ETXlNQ00zTXpRd01ETTRJekl5TURrMk5qZz0" alt="" original-src="https://www.globenewswire.com/newsroom/ti?nf=OTYxODMyMCM3MzQwMDM4IzIyMDk2Njg="/></p>
<p><img src="https://imageproxy.pbkrs.com/https://ml.globenewswire.com/media/NGY1NjhjNTgtNjc3NC00ODQ0LWFmZGEtZjhkMWM1YzVhYTUxLTEyMjEyMjEtMjAyNS0xMi0zMC1lbg==/tiny/Raymond-James-Financial.png" alt="" original-src="https://ml.globenewswire.com/media/NGY1NjhjNTgtNjc3NC00ODQ0LWFmZGEtZjhkMWM1YzVhYTUxLTEyMjEyMjEtMjAyNS0xMi0zMC1lbg==/tiny/Raymond-James-Financial.png"/></p>
<pre><code>Jana FullerRaymond James Financial7275672824mediarelations@raymondjames.com
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<div class="lb-trans"><pre><code> 賈娜·富勒 瑞傑金融 7275672824 mediarelations@raymondjames.com
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瑞傑金融的新數據顯示，企業主優先考慮釋放集中財富以追求新的商業機會 | RJF 股票新聞