For a growing number of employers, health care costs continue to rise while options for providing coverage continue to dwindle. Nowhere is that truer than in the construction industry, where the cost of health care plans has grown so high that only about half of today's companies provide any type of companywide coverage. At those companies that don't offer some type of coverage, their ability to compete is diminishing. The best workers increasingly are moving to those companies that do offer some type of health care.

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Selling your business right means more than having a good business to sell. You will want to use the methods that best suit your primary objectives.

When your goal is to obtain the highest price, try selling to an outside third party, not to family or employees. Why, you ask? Typically, outsiders have the ability and a willingness to pay a higher multiple of your company's earnings.

However, if your primary goal is to retain family ownership while providing yourself with a steady retirement income, you may want to consider a different approach.

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