This document presents a model for creating additional cash flow from a retiring insurance producer's book of business to fund the purchase of their stock. It outlines a five-year transition plan where a new producer is introduced and their commission share gradually increases each year as they take over accounts, reaching 20% in year five. This generates an additional 5% in cash flow in year four and 10% ongoing, which can be used to purchase the retiring producer's stock. The model demonstrates how cash flow can be created through this transition process without sacrificing existing resources.