Many small-business owners are counting on the sale of their businesses to fund their retirement. However, they don’t necessarily have an exit strategy — which could complicate matters. 

That’s the word from the Small Business Owners Retirement Readiness Study, produced by the Guardian Insurance and Annuity Co. Inc., which found that 35 percent of small-business owners say that the sale of their business is the key to financial preparedness for retirement (compared with 30 percent in 2011).

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