Are You Selling a Job or an Asset?
Build a business worth buying.
Most business owners spend years building a company, but very few know what a buyer actually sees when they look under the hood.
Whether you're planning to sell someday, looking to acquire a business, or advising clients through major transitions, understanding business value starts with one question:
ABOUT THE PODCAST
Straight talk for owners, buyers, and the
advisors beside them.
The deal room and the real research, side by side.
Hosted by John Lay of Three Circles Agency, Job or Asset explores what separates businesses that can be sold from businesses that depend entirely on their owners.
Each episode combines real-world experience, practical guidance, and research-backed insights to help listeners make smarter decisions about buying, building, and selling businesses.
WHAT YOU'LL LEARN
Business Owners
Learn how buyers evaluate your business and discover ways to increase value before you ever go to market.
Business Buyers
Understand due diligence, financial statements, deal structures, and common acquisition mistakes.
Advisors
Help your clients prepare for ownership transitions, succession planning, and successful exits.
ABOUT THE PODCAST
Throughout Season One, we'll explore topics including:
✓ The difference between owning a job and owning an asset
✓ What buyers look for during due diligence
✓ Financial statements that matter
✓ Owner dependency and transferable value
✓ Business financing and SBA loans
✓ Reputation and growth systems
✓ Deal structures and negotiations
✓ Exit planning and succession strategies
✓ Working effectively with trusted advisors
FEATURED SEASON TOPICS
MEET JOHN LAY
John Lay helps business owners understand the difference between building a business that depends on them and building one that creates lasting value.
Through Three Circles Agency, he works alongside owners, buyers, and advisors to improve business readiness, strengthen operations, and prepare organizations for future opportunities.
We don't advise from afar. We build beside you.
REFERRAL PARTNERS
CPAs • Accountants • Attorneys • Consultants
Learn how we work alongside trusted advisors without competing for client relationships.
Business owners often wait too long to prepare for a transition.
We're building relationships with trusted advisors who want to help clients increase business value, improve readiness, and navigate ownership transitions more successfully.
FREE 15-MINUTE CONVERSATION
Not Sure Where You Stand?
Whether you're:
Considering selling your business
Looking to buy a business
Planning your exit strategy
Advising clients through transitions
Start with a complimentary 15-minute conversation.
Find out if you're building a job or an asset.
Job or Asset Podcast
Build a business worth buying.
Copyright © 2026 Job or Asset Podcast. All rights reserved.
Job or Asset is produced by Three Circles Agency (TCA) and is provided for general informational and educational purposes only. It does not constitute, and should not be relied upon as, legal, tax, accounting, financial, investment, valuation, or medical advice, and it is not a solicitation or offer to buy or sell any business, security, or financial product.
Listening to this podcast, contacting TCA, or downloading any TCA material does not create an attorney-client, accountant-client, fiduciary, broker, or advisory relationship of any kind. TCA is a business-consulting firm. It is not a law firm, accounting firm, registered investment adviser, broker-dealer, or licensed business broker, and it does not provide legal, tax, or investment advice. Always consult your own qualified, licensed professionals before making any decision regarding the purchase, sale, financing, structuring, taxation, or operation of a business or practice.
Statistics, multiples, interest rates, statutory references, and regulatory rules mentioned in this episode are believed accurate as of the recording date but are general in nature and subject to change; they may not apply to your situation. Academic research is cited to illustrate ideas and mechanisms; practitioner and industry figures are estimates that vary by business, market, and time. Healthcare-related content (including any discussion of the Anti-Kickback Statute, Stark Law, the Corporate Practice of Medicine doctrine, and physician practice transactions) is general education only and must be reviewed with qualified healthcare counsel before acting.
Any client examples are illustrative composites and do not depict real, identifiable clients. The views expressed are those of the host. TCA makes no warranty as to the accuracy or completeness of the information and accepts no liability for any action taken in reliance on it.