Todd A. Topliff

Todd Topliff is a Strategic Business Advisor and Licensed Florida Business Broker serving Southwest Florida, including Fort Myers, Estero, Naples, and the surrounding Gulf Coast region. His practice is focused primarily on representing business owners on the sell side, while also working with qualified buyers seeking well-prepared, bankable acquisition opportunities.

Todd brings more than 20 years of experience across business ownership, commercial banking, and advisory work. He has owned and sold two operating companies and spent 13 years in commercial banking with formal credit and underwriting training. During that time, he managed multimillion-dollar loan portfolios and advised hundreds of business owners on cash flow, risk, valuation, and transaction structure. Earlier in his career, he also completed over 1,000 tax returns as an IRS-certified preparer, providing a strong foundation in financial normalization and tax-aware exit planning.

This background allows Todd to evaluate businesses with the discipline of a lender and the perspective of an owner. He understands how buyers, SBA lenders, and banks assess value, risk, and deal structure, and he prepares transactions accordingly so both sides move forward with fewer surprises and a higher likelihood of closing.

Todd is known for a calm, no-nonsense, relationship-first approach. He places a strong emphasis on confidentiality, clean financials, and disciplined preparation. Rather than a “list it and hope” model, he guides clients through a structured process designed to strengthen value, improve bankability, and protect employees, customers, and legacy throughout the transaction.

His practice focuses on Main Street and lower middle market businesses, particularly Skilled Trades, Professional Services, Healthcare, Marine-related companies, and other established operating businesses. Todd remains directly involved from initial valuation through closing and transition and is committed to creating successful outcomes for sellers and serious, well-qualified buyers.