A book by Zachary Sikorski

The Decisions Wealth Depends On

On the insurance, structure, and succession decisions that a business family's wealth actually turns on.
The Decisions Wealth Depends On — book cover

Most of what is written for business owners explains products. This book is about decisions. It sets out the handful of choices that determine whether a lifetime of building becomes wealth that lasts, or wealth that leaks away.

It is written from years spent close enough to these decisions to see how often the most important ones fall in the space between good advisors, not for any want of skill, but because depth is the thing a system built around breadth quietly leaves undone. It argues, plainly, that the decisions which matter most are the ones most often deferred.

It is written for the owner-managed business families who carry these decisions quietly, and for the accountants and estate lawyers who see the same problems from their own vantage and want a clear account to put in a client's hands.

What the book examines
i

Protecting a business against a single loss

What a company owes itself when it depends on one person, one partnership, or one key relationship.

ii

The transfer of a business between generations

Treating children fairly when one inherits the business and others do not, and the structures that make it possible.

iii

Wealth that does not hinge on a single sale

Building security that survives whether or not the business is ever sold, and on what terms.

iv

The role insurance actually plays

Where it belongs in a plan, where it does not, and how to tell the difference honestly.

v

Clarity as the outcome

What it looks like when the decisions are made well, and the family can stop carrying the question.

Who it is for

You are welcome to read it before we ever speak. Copies are also available for client and professional conversations.