Before You Decide to Sell, There's Work Worth Doing.

Strategy. Before a Transaction.
Xtramile Financial Group is an advisory firm founded by EJ Pipkin and Cheryl Sutter, based in Tampa Bay, Florida, and is available to investors in the region and beyond. We work with investors during the period before a major financial transaction — most often the sale of investment property — to evaluate the financial implications, coordinate across existing advisors, and structure the decision before anything is finalized.


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The Pre-Sale Planning Stage

The consequential decisions about a sale are usually made before the property is listed. Whether to sell at all. How a sale would affect a broader financial plan. What considerations to review with a CPA. What reinvestment options might exist. How the decision interacts with an estate plan.

This is the Pre-Sale Planning Stage — a period that often begins months or years before a transaction. It is where Xtramile works.

OUR APPROACH

The Xtramile Pre-Sale Planning Framework

.Five areas of consideration shape every Pre-Sale Planning conversation:

  • Purpose of the Sale — Why a sale is being considered, and what the investor hopes the decision will accomplish.
  • Portfolio Impact — How the property fits within a broader portfolio, and how a sale would change that fit.
  • Financial Considerations — Tax, liquidity, and estate questions reviewed in coordination with the investor’s CPA and attorney.
  • Reinvestment Considerations — How proceeds might be directed, and what options are available before a sale rather than after.
  • Advisor Coordination — Aligning decisions when applicable across CPA, attorney, lender, and broker so recommendations are consistent.
See the full framework

How the Work Continues

For investors who proceed beyond the Pre-Sale Planning Stage, Xtramile also offers investment management and ongoing wealth management. We outline what’s appropriate during an initial conversation.

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Who We Work With

Xtramile works with investors evaluating a potential sale who want to understand the implications first. The work fits best when an investor is asking should I sell rather than how do I sell.

WHO WE SERVE

About the Firm

Founded by EJ Pipkin and Cheryl Sutter — together bringing more than 55 years of experience advising investors and families.

About Xtramile

Begin With a Conversation

An initial conversation carries no obligation and no fee. It’s a structured discussion of where you are in the decision, what questions are open, and whether the work Xtramile does is a fit for your situation.

Have an Initial Conversation