The Decisions Wealth Depends On
This book examines the insurance, ownership, and succession decisions facing business-owning families: what needs to be funded, who should own it, and how it will transfer.
The book draws on years working alongside independent advisory practices and seeing where planning stalled or left questions unresolved. Were the obligations in the shareholder agreement funded? Did the insurance ownership match the intended use of the proceeds? Had the estate instructions kept pace with the business? It examines those decisions and why owners often put them off.
It is written for owner-managed business families, and for accountants and estate lawyers who want a practical reference to share with their clients.
Protecting a business against a single loss
What a company owes itself when it depends on one person, one partnership, or one key relationship.
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.
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.
The role insurance actually plays
Where it belongs in a plan, where it does not, and how to tell the difference honestly.
Clarity as the outcome
What it looks like when the decisions are made well, and the family can stop carrying the question.
You are welcome to read it before we ever speak. Copies are also available for client and professional conversations.