- About TC Advisors
About TC Advisors
A Certified Valuation Analyst firm built on one idea: a valuation is the beginning of the advisory relationship, not the end of it.
Most CVAs hand you a 50-page PDF and disappear.
That’s not how we work. TC Advisors is a Certified Valuation Analyst firm in Southern California built around a different premise: a valuation isn’t a deliverable. It’s a diagnostic. It tells you what your business is worth today, why it’s worth that, and where the leverage is to make it worth more.
Then comes the part most firms skip — actually pulling those levers.
We work alongside owners between $500K and $50M in revenue across San Diego, Orange, Riverside, and Los Angeles counties. We identify your value. We build a 12-to-24-month plan to grow it. We execute that plan with you. And when it’s time to exit, we run the transaction. Four service lines, one continuous relationship.
The number on the report is where most engagements end. For us, it’s where the work starts.
- Founder
Meet Brandon Bay, CVA, CEPA
Brandon is the founder of TC Advisors and a Certified Valuation Analyst with the National Association of Certified Valuators and Analysts (NACVA). He holds the CVA designation and the Certified Exit Planning Advisor (CEPA) credential from the Exit Planning Institute.
Before founding TC Advisors, Brandon spent five years as an M&A advisor at Fleetridge Pacific, walking owners through every stage of selling a business — pre-sale preparation, marketing the business, fielding multiple offers, negotiating terms, and closing on the buyer the seller actually wanted.
Across that work, Brandon completed approximately 100 valuations covering M&A transactions, management buyouts, SBA loan applications, partner buyouts, and internal ownership transitions. The deals he advised on totaled approximately $100 million in transaction value.
His specialization is healthcare services — home health and hospice agencies, healthcare staffing firms, and physician practices including chiropractors, surgeons, dentists, ophthalmologists, dermatologists, and anesthesiologists. He also works extensively with skilled trades, home and personal services, and professional services firms.
Brandon graduated from Tufts University in 2017 with a Bachelor of Science and a minor in Economics.
- Why TC Advisors Exists
The pattern that started this firm
Five years in M&A teaches you what kills deals. Most owners came to Fleetridge Pacific at the end of a timeline they hadn’t planned. They were ready to sell — emotionally and personally — but their business wasn’t ready to be sold.
We watched deals collapse at the signing table because the owner couldn’t actually let go of the company they’d built over twenty years and had no plan for what came next. We watched expectations crash into reality when an owner’s “neighbor’s company sold for 6x” turned out to be a different industry, a different size, and a different decade. We watched buyers walk because the business was structurally unsellable — too dependent on the owner, too concentrated in a few clients, too undocumented to transfer.
Every one of those failures had something in common. The conversation started too late.
“A valuation done five years before an exit gives an owner options. A valuation done five months before an exit gives them regrets.”
— Brandon Bay, Founder
A valuation done five years before an exit gives an owner options. A valuation done five months before an exit gives them regrets.
That’s the gap TC Advisors was built to close. Not just to tell owners what their business is worth — but to start the conversation early enough that the answer can change.
- How We Work
How an engagement actually works
Every engagement starts the same way and is structured the same way — regardless of whether you’ve come to us for a valuation, growth advisory, exit planning, or a sale.
The Diagnostic
Every engagement opens with a valuation and a business diagnostic. We pull apart the financial and operational mechanics of the company because every business is unique and the value drivers are never identical. The deliverable is a number — and, more importantly, the why behind it.
The Plan
We translate the diagnostic and the owner’s actual goals into a structured roadmap: 30-day, 60-day, 90-day, and quarterly execution plans. Project-based chunks, sequenced by impact and feasibility. Not a wishlist. A workable schedule.
The Execution
Planning is the easy part. The hard part — the part most consulting firms skip — is execution. We work directly inside the business alongside the owner and the team to actually do the work. Increasing top-line revenue, hiring a key operations role, building SOPs, restructuring concentrated client risk — whatever the plan calls for, we’re in it with you.
The Network
No single advisor solves every problem. TC Advisors operates a tight-knit referral network of vetted local specialists: fractional CFOs, fractional COOs, fractional sales leaders, fractional HR, marketing and business development partners, staffing and recruiting firms, lenders and SBA bankers, M&A advisors and brokers, CPAs, financial advisors, wealth managers, tax consultants, and attorneys. When the plan needs a specialist, we bring the right one in.
- What TC Stands For
What TC stands for
The firm name is a deliberate reminder. Three words. One standard.
The Client
Every engagement reports to one boss: the owner sitting across the table. Strategy, scope, timeline, and deliverables answer to your goals — not ours. The valuation answers to the question you actually need answered, not the question that’s easiest to bill.
Trust & Confidence
Trust is earned in how the work gets done. Confidence is earned in the quality of the answer. Both are earned engagement after engagement, not asserted on a website. We work to keep them.
Through Christ
The firm operates on Christian values: integrity, service, and stewardship of what we’ve been entrusted with. The work is held to that standard whether or not it’s named.
- Industries & Markets
Who we work with
TC Advisors works with owners between $500K and $50M in revenue across Southern California — primarily San Diego County, Orange County, Riverside County, and Los Angeles County. Valuation engagements are also delivered nationwide when the work is non-court, non-litigation, and doesn’t require local market presence.
Our deepest specialization is in healthcare services — physician practices including chiropractors, dentists, surgeons, ophthalmologists, dermatologists, and anesthesiologists; home health and hospice agencies; med spas; and healthcare staffing firms. We also serve skilled trades (HVAC, plumbing, electrical, roofing, pest control, construction and contractors), home and personal services (cleaning and janitorial, landscaping, window and power washing, staffing), and professional services firms (CPA firms, law firms, financial advisory firms, and consulting practices).
- Case Examples
A few engagements
Every engagement is unique. These are anonymized examples of the kind of work we do.
Solo practice owner who thought there was nothing to sell
A solo medical practitioner planned to close shop and walk away with $0. We restructured the wind-down into a four-year monetization plan: continued operations during the runway, a sale of client relationships and referral sources to a local competitor, royalty terms on transitioned clients, and a staff transition fee.
Outcome
Approximately $2.4M captured from a practice the owner had written off as worthless.
The $100K hire that paid for itself five times over
An owner-operator was working 60-hour weeks running every operational function of the business. We modeled the valuation impact of replacing the operations role at ~$100K/year, then helped the owner hire, document SOPs, and reclaim 30 hours per week.
Outcome
A 0.5–1.0x multiple gain on enterprise value — approximately $500K of new value on a $5M business — and 1,560 hours of owner time reclaimed per year.
The owner-dependent practice that wasn't sellable yet
A solo professional with strong cash flow assumed they had a 3-4x EBITDA business. The diagnostic showed it was closer to 0.5x because every client relationship walked out with the owner. We mapped a five-year transferability plan: productizing service delivery, transferring client relationships to the entity, building SOPs, and rebranding away from the owner’s name.
Outcome
The owner started planning at 50 instead of 60 — the difference between options and regrets.
- Why This Work Matters
Why this work matters
Small business owners are the backbone of the American economy. They take on extraordinary risk, sacrifice years of their lives, and shoulder the weight of payroll, customer commitments, and family obligations to build something that lasts.
Every owner has a backstory — the trials, the close calls, the reinvention, the years of working through what most people would walk away from. Each one had to do something different to get to where they are.
Being a small business owner can also be isolating. The decisions are yours alone. The pressure doesn’t take weekends off. And the people closest to you often don’t fully understand what the work actually costs.
TC Advisors exists to be in the room when the hardest financial decisions of an owner’s career get made. Not to take over. Not to disappear after a report. To do the diagnostic work, build the plan, and execute it alongside you — so that when you’re ready to exit, the number on the page reflects every year you put in.
- Credentials & Affiliations
Credentials & Affiliations
Credentials & Education
Certified Valuation Analyst (CVA)
NACVA — November 2025
Certified Exit Planning Advisor (CEPA)
Exit Planning Institute
Bachelor of Science
Tufts University, 2017 — Minor in Economics
Memberships & Affiliations
NACVA
National Association of Certified Valuators & Analysts
Exit Planning Institute (EPI)
Carlsbad Chamber of Commerce
Murrieta/Wildomar Chamber of Commerce
Offices & Contact
Encinitas Office
535 Encinitas Blvd., Suite 106
Encinitas, CA 92024
Murrieta Office
25220 Hancock Ave., Suite 240
Murrieta, CA 92562
Direct
(760) 334-5999
brandon@tcadvisoryservices.com
linkedin.com/in/brandon-bay-business-valuations
- For Referral Partners
A note for referral partners
If you’re a CPA, attorney, financial advisor, wealth manager, lender, business broker, or fractional executive — TC Advisors is built to be the valuation and exit planning specialist you bring into the conversation when your client needs that capability.
Our role is to be the outside specialist, not the new central advisor. You stay in the lead seat. We provide the certified valuation, the exit planning, the value growth work, or the M&A execution — and we keep you informed throughout. When the work is done, we hand the relationship back.
We don’t poach. We don’t replace you. We make you look better to your client.
If that’s a fit for the way you serve your clients, start a conversation here.
Let's start with the diagnostic.
Every engagement begins with the valuation. We’ll tell you what your business is worth today, why, and where the leverage is to make it worth more. The plan and the execution come next.
- Industries & Markets
Common questions about TC Advisors.
Quick answers on credentials, services, locations, and what makes the firm different from a typical valuation engagement.
Who is TC Advisors?
TC Advisors is a Certified Valuation Analyst firm founded by Brandon Bay, CVA, CEPA. The firm provides business valuations, exit planning, value growth advisory, and M&A advisory services to business owners between $500K and $50M in revenue across San Diego, Orange, Riverside, and Los Angeles counties.
Is Brandon Bay a Certified Valuation Analyst?
Yes. Brandon Bay holds the Certified Valuation Analyst (CVA) designation from the National Association of Certified Valuators and Analysts (NACVA), earned in November 2025. He also holds the Certified Exit Planning Advisor (CEPA) credential from the Exit Planning Institute.
What types of valuations does TC Advisors perform?
TC Advisors performs valuations for SBA 7(a) and 504 acquisitions, partner buyouts and shareholder buy-sell agreements, gift and estate tax filings (IRS Form 709 and Form 706), business succession and internal ownership transitions, California liquor license transfers, healthcare practice acquisitions, E-2 and L-1A investor visa applications, and M&A transactions.
What makes TC Advisors different from other valuation firms?
Most CVA firms deliver a valuation report and end the engagement there. TC Advisors treats the valuation as the starting point. After the diagnostic, we build a 12-to-24-month plan to grow the value the report identified, and we work alongside the owner to execute that plan. Four service lines — valuation, growth, exit planning, and M&A — operate as one continuous relationship.
Where is TC Advisors located?
TC Advisors operates from two offices in Southern California: Encinitas (535 Encinitas Blvd., Suite 106) and Murrieta (25220 Hancock Ave., Suite 240). The firm serves San Diego, Orange, Riverside, and Los Angeles counties locally, and provides nationwide valuation services for non-litigation engagements.