My name is Jason Luban, and my mission is to help my fellow medical practitioners buy or sell their practices without getting screwed by brokers or anyone else. I want you to get all the information you need to make sound decisions so that you can have the time and freedom to focus on more important things. Sounds corny, but there you have it.
My mission is accomplished through the abundance of information on this website, occasional emails, and you-specific, one-on-one advice. This site and its resources can help you cut the crap, simplify all parts of the process, and get right to what matters to you: From finding a buyer to creating a contract; from pricing/valuating a practice to reducing attrition and ensuring a smooth hand-off. Not sure where to start? Start here.
After three decades of success running a Chinese medicine practice in the San Francisco Bay Area, I was ready to try something different. My wife Selena, a corporate attorney, was also ready to move on from mergers & acquisitions, 90-hour weeks, computer screens and nasty commutes. We both wanted more time together, the freedom to explore other interests, as well as other countries.
A chance experience in southern Spain gave us the inspiration we needed. We returned home, sold everything (including my practice), and now live in a gorgeous white hill town in Andalucia. We spend our spare time learning Spanish, eating tapas, traveling, and pursuing whatever sparks our curiosity.
In the time since I sold my practice, word got around that there was a guy married to an attorney who used to work at an accounting firm (also me) who did a lot of research and found a way to both buy his practice and successfully sell it years later. I started answering calls and emails, and over time, I had accidentally started a new business helping my colleagues do what I did. So now here I sit, looking out at a green canyon full of birdsong while I write this “About” page.
I love connecting with fellow medical people, and I am passionate about helping my colleagues cut through the b.s. of buying and selling a medical practice. As a practitioner who has both bought and sold my own practices, I’ve been through the highs and lows, have made mistakes and experienced success, and have learned quite a bit. My goal is to pass my hard-won lessons on to others.
I also do what I do because it allows me to live life on my own terms. I can consult from anywhere with an internet connection, and I get joy out of knowing that each deal that closes helps another practitioner realize their own dreams.
Absolutely not! I (Jason) started the business and call myself the "Chief Change Agent", but we employ a small cadre of attorneys, accountants, and other resourceful humans in order to get the job done. Most of our employees are paid on a by-project basis, and are used as appropriate. (Not everyone we work with needs a lawyer, and not everyone needs an accountant.)
Whether you're looking to figure out buying or selling a medical practice, you've come to the right place. To get started, we recommend you check out our Getting Started page and go from there.
If you still have further questions, definitely reach out to us via one of the contact options below.
Aside from the free information we have here on this site for DIY'ers, we provide custom coaching and mentoring services, as well as the ability to do it all for you if you wish. Do what, you ask? Aside from helping with your specific concerns, we specialize in the following:
Contact us now via one of the methods below if you're ready to talk about any of the subjects above, or have other questions about buying or selling or preparing a practice for sale. We're here to help, and that first call is free.
Absolutely! That's what we're all about. We want you to offer you all the support you need to buy or sell your medical practice. If you prefer to do it all yourself, you can find most of the tools to get started here on our website. However, our most successful clients are those who reach out and ask us to mentor or coach them, and/or actually do some of the work for them.
Good question! We usually start with a free call wherein we get a sense of your needs and give you some suggestions on some steps you can take now to achieve your goals. We will also let you know what we can do to help, if you need any help at all.
Prior to the first call, we will send you a non-disclosure so you can be assured that we won't be sharing any of your information with anyone else. After the first call, if you'd like to work a bit more with us, we'll send you our consultant agreement so you know how we operate. That agreement basically says that we charge by the hour and that we will only do the work you ask us to, and bill the hours you've approved.
Once we have those elements in place, we can help you wherever you're at buying or selling a medical practice!
It's true, we're not for everybody, and everybody is not for us. We are a boutique firm. We never work with more than 3 sellers and 3 buyers at the same time. We have this policy so that we can focus on doing our absolute best and overdelivering for our clients. So if we said no to you, it may simply be that we are already working on our maximum number of transactions.
Another reason we may say no is if we feel our background and expertise doesn't meet with the kind of practice or situation you are dealing with. We have helped people buy and sell many different types of practices, and every sale is unique. Each has its ups and downs, its challenges and rewards. We love what we do and feel happiest when we best serve our clients. If we don't feel we are the best people for the job, we'd prefer to send you to someone else who is.
Here's how it works. We provide a bunch of free info on how to buy or sell a medical practice. If you'd like to do it all yourself or just need a few tips here and there, then check out the free info here on this site.
If you'd like to have us help you figure out how this info relates to your specific situation, reach out to us via one of the contact methods on this page. Your first call is free, and we charge an hourly fee of $145 thereafter for work you pre-approve. We can do anything from helping you evaluate where to start in the process, to helping find a buyer or seller; from drafting contracts, to helping you transition into or out of a practice. We can do small parts of the work for you, or all of it. It's up to you. Reach out to us via one of the contact options below and we'd be happy to get on a free call with you (or just email or instant message) to help you reach your goals.
And while we want you to get what you want, because we're not brokers and are paid by the project, we have no vested interest in pushing you to buy or sell so that we get paid. We just want you to lighten your load and give you the information and tools you need to succeed. See more about how we differ from a broker and what makes us unique below.
Yay! One of our favorite questions. We're quite different. Basically, we charge by the hour for results rather than taking a piece of your gross sale. We also differ in a bunch of other ways. See the chart below and the case study that follows it.
A Unique New Model
The Old Model
One simple way to understand the difference between the way we help buyers and sellers and the way a broker works is to analyze the potential cost difference between a clinic selling for, say, $100k. Let's say you use a broker who asks for a relatively low retainer of $1,000 and a bargain-basement fee of 10% of your final gross sales price, payable upon signing a sales agreement with a buyer.
Let's also assume that you have a successful sale at $100,000. The broker may have put up to 15 total hours into your deal (putting your practice in the template listing on their website; using a sales agreement template for the contract; and talking you through some speed bumps).
In the end, the retainer is wrapped into the final fee you pay the broker. They get $10,000 (10% of your gross sale price) for 15 hours of work. That works out to roughly $666 per hour for them. Given that many brokers take much more than 10% (sometimes up to 30%), and many practices sell for much more than $100k, the hourly breakdown could go much higher.
Contrasting that same deal with the way we work:
If we're doing the whole deal, start-to-finish, from organizing a practice for sale to finding a buyer; from creating the sales contract to helping in the transition out of the practice, the average total cost in our experience comes to about $3,000. Dividing by our rate of $145/hour, that means we bill for a total of 20 hours of work. So in the example above, using us, you'd pay 70% less and get an additional 30+% of time and energy from us as well.
A lot more bang for a lot fewer bucks.
In fact, that's less than one-third the price for 30+% more hours spent on your deal.
Keep in mind that those numbers assume you're having us do a deal from start to finish. Many of our transactions involve having us do only a small portion of a deal, such as helping find a buyer, or create a sales contract. Note that a broker will only get involved if they get to participate in the entirety of the sales process.
If you're ready to find out what we can do for you, simply get in touch with us via one of the methods below. We promise to get right back to you to listen and help create a plan that works for you.
Being a participant in a buying or selling transaction necessitates the utmost of discretion for the sake of patients, employees, associates, and the smooth transition of the practice. We're well aware of these concerns, which is why we take care to be sure your information is safe and sound. Some of our methods include:
If you have further questions about how we go about keeping your information secure, please reach out via one of the contact options below.
Guest Posts: Unless you are an expert in the area of buying, selling, and/or valuating a medical practice, please do not both sending us your ideas for a guest post. We won't pay attention to it.
Sharing, Linking To, and/or Republishing Posts: If you'd like to link to one of our posts, or paraphrase it, that's fine, so long as you provide a link to our original article, and proper attribution to ... us. If you decide to take one of our posts and republish it without proper attribution and a link back to us, expect a Cease and Desist letter followed shortly by legal action. The stuff on this site is our hard-won intellectual property, and we're quite serious about protecting it.
If you're in doubt about any of the info above, please contact us via one of the methods below and we'll get right back to you.
Interview with medical business coach Jason Stein:
Through Jason's mediation between myself and my potential buyer, he transformed a tricky, frustrating situation into an opportunity for growth, movement and abundance. Who could do this better than a warm, skilled veteran of both successful medicine and business? He is able to listen and advise from the caring integrity of a practitioner, with a keen eye on the pertinent details. Working with him got to the heart of difficult money and business decisions, leading ultimately to the best outcome for my health and happiness. We are lucky to have him in this field and I'd highly recommend consulting with him.
This is quite possibly the most disruptive site in the recent history of physicians selling their practices. As a doctor trying to sell my practice, I was under the impression that using a broker was the only way to go. So I did. Six months, zero buyers, and a non-refundable $2,500 later, I decided to take matters into my own hands. A quick Google search landed me here at Selling A Practice.com. I used some of the free do-it-yourself information on the website to get started, but didn't want to get bogged down in the details. Now, a year later, I'm happily retired. Jason and the staff there allowed me to relax and focus on my transition while they did the dirty work. I may be an old-fashioned doctor, but this modern approach worked best for me.
Jason is very professional and easy to work with. He made an extremely daunting task very simple and straight-forward. I had a buyer lined up but I needed a legal contract that included everything I didn't even know I needed to protect both me as the seller as well as my successor, the buyer. The buyer even commented on how impressed she was that the contract protected both of us so well.
Jason is extremely responsive and organized and he made the contract process a breeze. I was impressed with his knowledge and expertise in this area. It's not everyday you run into someone with specialized experience in selling an acupuncture practice as well as the legal understanding of the entire process and all of the things that someone needs to consider legally when doing so.
I would highly recommend him to anyone that is looking to sell their practice.
Jason was an incredibly helpful resource in the midst of a difficult mediation between myself and another practitioner. He always responded to emails within minutes, had great business insight and rationale, and quickly helped us to come to agreement and find a peaceful, win-win resolution. Our situation required numerous phone calls, many emails and hours of mediation, much of which we were not charged for. Jason was remarkably attentive throughout the entirety of the process. Our interactions were not limited to just the legality of the situation though. Jason made room for the emotional component that can sometimes come with these events as well. He was supportive and reassuring from beginning to end. Jason's guidance was absolutely invaluable, I would highly recommend his services!
Thank you so much for everything you've done! We closed this morning and I couldn't be more thrilled. When I reached out to you I had no idea if I was going to be able to get anything from my practice. I mean, I knew I had a good thing, but I knew absolutely nothing about selling a practice. From your free initial consult to every conversation we had, you were utterly professional, kind, and patient. You guided me thru every step of the process: evaluation, marketing, vetting a buyer, and sorting out the contract. All of this to help make the close this morning happen! Now I can move onto my next endeavor glad that I have great acupuncturists taking care of the patients I leave behind while I have some financial cushion to aid in my transition! I couldn't have asked for a better guide thru this process. You way undercharge so I hope this testimonial helps to pay your goodwill forward!
The sale is finally done! I received the last payment yesterday. The whole process of selling the practice was way more complicated than I had imagined. I guess I was clueless about what was involved. But thanks to your EXPERT knowledge and assistance, everything went smoothly. It's been a real pleasure to work with you. There were times when I didn't even know what question to ask. But you were there with an answer. I am sincerely grateful for your help. I have already referred your name and website to someone else. I'm so glad that I got connected with you!
How to begin with my GRATITUDE for Jason doing what he does in the world so beautifully with integrity, timeliness, accuracy, and with heart. When I decided to sell my practice, I found an article in Acupuncture Today with Jason’s information on it. We set up a time to talk and he listened. Carefully.
What I really appreciate about Jason is how he runs his business. He charges for his services by his valuable time, so you only pay for what you need. I chose to do parts of the prep and the sale myself that I felt confident with. He is an amazing consultant and with you every step of the way that you want him to be there (or not). He has been in the health care field as a practitioner and he has walked so many through the sale of their practices.
Although we never met in person, it was a HUGE relief amidst changes and stresses outside of either of our control to have him in my corner and someone to call and receive wise counsel. Personally I did not need a lawyer and I and my buyer were very happy with the contract he wrote up.
No matter the challenges that came my way, Jason always was able to find ways to move forward. At one point I had given up hope and he said “give me 2 weeks and I'll do a hail mary” and he redoubled his efforts on my behalf. In 3 days I had 6 people interested and one of them bought my practice quickly, easily, and joyfully. If I had given up I would not be on sabbatical now.
To say Thank You doesn’t feel like it will ever be enough. Thank You Jason for giving me an opportunity to sell my practice to an amazing practitioner. Now that my clients are taken care of, I can truly rest and see what the next part of my journey will bring. Don’t hesitate to reach out to talk to Jason and see if you all are a match to work together. It’s SO worth your time if you are thinking or know you want to sell your practice.
I had sold another practice with [popular broker]. Their response rate was sluggish and I often felt alone in this process, despite paying them a healthy percentage of the clinic sale. I was clearly told that my practice, since it was small was not as important to them as bigger practices they were selling. Additionally I thought some of the money I was paying them would save me from needing a lawyer, as they gave me sale contracts. However, it turned out I needed a lawyer additionally who was so frustrated by their contracts which did not hold up legal standards so I had to pay my lawyer to draw up proper legal contracts additionally to paying the broker.
In comparison, Jason is a joy to work with, he knows each step of the practice sales process well and also listens to and understands what is going on for the seller. He was incredibly responsive, cared about me and my practice and delivered high quality work in less paid hours than I expected and with incredible turnaround times. I felt very supported! Furthermore he doesn't take any percentage of my clinic sale, he charges for his hours he works. This is such a breath of fresh air in the business of practice sales. He has well thought out methods to get the information about the practice sale out to the correct target audience and his website link which he creates is infinitely more informative than the listing I had on [popular broker's] site. Furthermore it allows for adding many pictures and a video, which is really helpful for any buyer. Once you are ready to sell your practice contact him and he will do a free consultation to answer all of your questions! You will not be dissapointed.
I initially thought selling my practice and doing all the paperwork and such was daunting and overwhelming. However, Jason relieved the stress the minute I talked to him for the first time! I was so comforted to find out that Jason had bought and sold acupuncture practices before. After he did my practice evaluation, he came up with a fair contract that both me and my buyer were very happy with. He gave me valuable advice and went many extra miles to help me with my business sale and the affairs related to my business relocation (he even helped me find my mortgage broker when I was looking to relocate!). I can't thank him enough for his extremely professional (and freely given) knowledge in both acupuncture practice and in business sales. His price is way more affordable than hiring a broker or a lawyer and his work is impeccable. I highly recommend him to anyone who wants to sell or buy a medical practice. Sellingapractice.com is truly a blessing to have in our community!
I successfully sold my practice in 3 short months and got the exact selling price I wanted!
None of this could have happened without Jason Luban. There are so many moving parts and different pieces to selling a practice that most people don’t even know exist, myself included. Jason was able to guide and support me through all of the tough decisions I needed to make. His expertise and experience are one of a kind. His kindness and generosity also played a part in helping me feel comfortable and at ease through the whole process.
And Jason’s fees are minimal compared to what I would have spent on brokers, lawyers and other fees if I did it on my own.
Jason is definitely a one-stop-shop for selling a practice and I would recommend him to anyone who is interested in selling a business.
Working with Jason through my decision making process was so helpful. If you're considering selling your practice and don't know where to start, I recommend reaching out to him! He has a unique perspective having sold his own practice and having helped others through their business transactions and also life changes. At each step of my process, he's been a real asset - non-judgmental, knowledgable, patient and able to guide. I also really like that he charges a consulting fee in lieu of taking a percentage of the sale. You really can't go wrong with having him on your side.
When we got the news that we would be relocating out of state, our first thought was "it will take months to sell my practice and we have no idea where to start." That was when I read about Jason in one of the medical business forums I follow on Facebook. After spending a few hours going over some helpful information on his website, I decided to contact him. He is so knowledgeable and thorough. He helped me from start to finish, from appraising the practice all the way to finding the right buyer, negotiating price and terms, developing and going over legal aspects of the contract, and transitioning to the new owner. The way he handled the entire process made an otherwise very stressful situation so easy. Needless to say, seller and buyer are very happy with the outcome.
After a great new job opportunity landed in my lap, I was faced with the need to sell my acupuncture practice in a very short amount of time. After calling three broker firms (with no call backs to speak of), I found SellingAPractice.com. I felt encouraged but still panicked.
Boy am I glad I called! From the very first point of contact, Jason was my cheerleader. He was clear and detailed about how he could help me and let me know I could use his services as much or as little as possible, depending on the stage of the process. He was able to translate otherwise complicated information in a way that was easy for me to understand.
Needless to say, I used Jason’s services from beginning to end and couldn’t be happier. Thanks to his help, I’ve found the perfect buyer with time to spare. Not only does he understand the intricacies of selling a medical practice, but his kindness and genuine desire to help others is beyond apparent. Words cannot express how grateful I am to have found Jason. Now I can move forward onto my next endeavor with confidence that my practice is in good hands (and not to mention a lot of cash in my pocket!) Thank you Jason!!!!!!!!!
I've consulted with Jason about both purchasing and selling practices. He is so generous with his knowledge and my gut always jives with his suggestions. I usually feel validated when I ask him what to do in certain business situations. His advice and knowledge is very sound! I will definitely ask Jason for help in selling my practices when the time comes.
As an Acupuncture student, it can be a little nerve wrecking to step out of school and figure out what the right move is after school. My journey began searching for a mentor who would be willing to take me on as an apprentice so I can convert the knowledge I've learned in school and apply it in a clinical setting. I found a mentor, an Acupuncturist who has mastered the art of Japanese Acupuncture for the past 24 years. I felt so honored that he said yes to my apprenticeship. I found myself in an opportunity to buy his practice and I agreed to it. This is where I met Jason. Jason took me through the journey of answering all my questions and also guiding me through a process I knew very little about. He put me at ease at times when I felt overwhelmed and was the bridge between me and my mentor to allow a smooth flow of communication which made the negotiations and contract signing easy. If you're looking to buy or sell a practice, I highly recommend you spend some time with Jason to understand his perspective and how he suggest going about the procedure. He charges very little for putting out such a high quality of service.
It cost me around a thousand dollars to list and evaluate my practice with a broker. I was totally green to the process of selling a business, and although using a broker helped get my feet wet and gave some mild understanding of the process it proved unsuccessful. Mostly I got people kicking the tires, low-balling, information seeking for their own ends and unqualified unrealistic candidates.
After a couple years of with a stale listing on a broker's website, I heard about Jason at Selling A Practice.com. I looked at his site. He seemed generous, experienced, and well informed with his information. I reached out and after a long conversation I knew I found someone I could trust. We started the process of finding a buyer, which was much of what the avatar exercise had me imagine.
Jason ultimately coached me and my buyer through the rest of the process, including the generation of seven drafts of our sales contract and an attorney's hair-splitting review. He was insightful, flexible, and knowledgeable. He set both me and my buyer at ease, and the cost was very reasonable, transparent, and affordable. I highly recommend him and the free resources at SellingaPractice.com to anyone who is interested in buying or selling a medical practice.
When it was time to sell my practice and building, Selling A Practice.com provided invaluable assistance through the entire process. I first reached out to them and spoke with Jason when I was just beginning to consider selling. Though I didn't originally intend to sell for another year or so, one thing led to another and now, barely six months later, both are sold!
Surfing the details of selling a 3000 square foot building with 8 tenants, and a busy three-provider practice with 7 employees, was a very complex undertaking that Jason handled seamlessly. He helped draft the perfect Asset Sale Agreement reflecting contract law in my state, and he coordinated with my real estate broker to make sure the real estate sale and practice sale came to simultaneous completion without a hitch. Because of the complexity and inter-contingency of the two sales (involving banks, real estate brokers, lenders, lawyers, accountants, and emotions on both sides), there were many details to attend to. Whenever I needed Jason's advice, he was there, often checking in before I knew I needed his advice! When I needed help in negotiations that were both intricate and sensitive, Jason proactively positioned me for all contingencies in advance.
I could not have completed this sale without Jason's expertise and knowledge of practice sales. If you are considering selling (or buying) a practice, I encourage you to speak with someone who has experience both as a physician and with buying and selling medical practices. Speak with Jason--his ethics and knowledge are beyond reproach.
If you are pondering or planning selling your practice, I strongly recommend reading & researching SellingAPractice.com’s extensive Library, and then contact them! You will find the people at SellingAPractice.com thoughtful, experienced and concise. The perfect guides one could only dream of. My issue was messy & complicated- they listened, and helped me clearly prioritize my ‘next steps’. Wherever you are in your pre-sale process contact SellingAPractice.com. I’m so happy I did!
I recently converted my Community Acupuncture & East Asian Medical Clinic to a non-profit and needed a business valuation done for the IRS. I had been looking around for months trying to find someone who knew ANYTHING at all about valuing a medical practice. No one seemed confident that they knew what they were doing and all were totally beyond our price range.
I stumbled on Jason at Selling A Practice almost by accident, and am so happy to say that not only was it extremely easy to work with him, but he was both fast AND affordable. I highly recommend Jason if you have any need to get a valuation done for your business!
Working with Selling A Practice was my first foray into the idea of selling my practice, as such I had no knowledge of the details of the process. Jason was very patient and informative in helping me understand what was needed, and even though we had some challenges selling the practice, he was very willing to work extra at no additional cost to try alternatives to the original plan. For me this is a rare quality where simple right and wrong is placed above profit margins. I would be comfortable recommending SellingAPractice.com to other practitioners.
I found out about the practice I bought when I received a postcard sent by SellingAPractice.com. Usually I put those things in my trash can immediately, but this one was very easy to see and made me interested in checking up on the related website. Everything was outlined very well and it was easy for me to understand the value of the practice.
The seller, coached by Jason at SellingAPractice, thought about my side of the deal so much that the transition was very smooth and comfortable for me. I am retaining over 90% of the former owner's loyal patients and my practice is blessed with lots of joy and happiness. But without the methods Jason suggested, this would have been harder for me to achieve, especially in the first year after getting this new practice.
If you are looking to sell or buy a practice, you will not find any better person than Jason to consult with and get good advice from. He has something different to offer than just being a consultant. He thinks from your point of view, and he deeply cares about you when you buy the practice, even when he is working for the seller. He works with you to get the best results and you will not regret working with him.
I can only tell you this as I am the witness of his thoughtfulness and kindness to both me and my husband as buyers, and also the patients, whose experience he cared deeply about.
SellingAPractice.com was extremely easy to work with during the sale of my company. I co-owned a healthcare corporation where I was 50/50 partners with my business associate and Jason was very knowledgeable in how to sell my portion of the business to my partner. He put our minds at ease during the initial phone consultation where he took the time to explain the process to us and gave us great advice on what to expect in the coming months and what steps we needed to take to make the transition smooth. He also gave us a helpful guide/check list so that we were able to make sure everything was complete on our end as well as a contract to legally finalize everything. I would definitely contact SellingAPractice again if I ever find myself either buying or selling a medical practice in the future.
A colleague recommended SellingAPractice.com to me. I had very little time (was moving out of the area in 3 weeks!), had sold my house, and was ready to walk away from my practice. Jason encouraged me to reach out to a few local "competitors," advised me on negotiating with interested parties, drew up the NDAs and contracts, and I successfully sold my practice in under a month! Jason had a lot of experience, so he could offer ideas on how to get prospects and advice on the pitfalls to avoid. It was worth every penny to have him write up the final contract. I highly recommend working with Jason; my only regret is not having found him earlier in the selling process!
At first I called just to ask for a few suggestions on how to sell my practice. A few short months later, I was walking out the door of my office for the last time. We used Selling A Practice to do everything: Advertise the sale, negotiate the terms with our buyer, draw up the contract, and transition me out with minimum attrition. I love my buyer, my patients are happy, and I'm free! All with far more service (and for much less money) than I would have had to pay a broker. I couldn't be happier!
*From January 2017 t0 February 2020. Including Medical Doctors (MDs), Osteopaths (DOs), Acupuncturists, Chiropractors, Dentists, Physical Therapists, Speech Therapists, Veterinarians, and other healthcare-related businesses.
I put together the resources on this website and started this business because I was tired of hearing stories about acupuncturists, dentists, MDs, chiropractors and other allied practitioners being ripped off, underserved, and overcharged by brokers and others who cared more about a sale than a relationship.
I truly love interacting with my clients, helping people reach their goals, and I promise to deliver as much value as I am able. Everything I do here is designed to give you the results you're after as fast and efficiently as possible, with as little confusion and overwhelm as possible. My success comes only as a direct result of your success. I firmly believe that money is a byproduct of good service and promises met, and that is my promise to you.
Our most successful clients schedule a call with us to evaluate where they’re at and how we can help them get where they want to go. We highly recommend you do the same. We can do any or all of the hard parts for you, and charge a transparent hourly fee after our first free call. Simply fill out the form to the right and we'll take it from there.
This site is designed to be a one-stop resource with everything you need to get organized, figure out the value of a practice, find a qualified buyer, and seal the deal in a simple, efficient, stress-free manner. No retainers. No brokers. Just the information and support you need, as you need it. If you’d like info on a specific aspect of the process, check out one of our major subject areas below.