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Silver tsunami refers to the huge cohort of Baby Boomers who own companies and are nearing retirement, many without clear succession plans. According to a 2025 U.S. Bank report, nearly half of U.S. small-business owners are 55 years or older, yet only about 54% have any kind of succession plan in place. The U.S. Small Business Administration notes that small businesses employ more than 62 million Americans and generate 43% of U.S. GDP.