Good planning is rarely done by one advisor.
Sheldrake is brought into a matter to solve a specific planning problem, not to replace the relationships already around the client.
We work within the legal, accounting and estate framework already being developed, so the insurance decision supports the plan rather than competing with it.
Shareholder & buy-sell funding
Turning obligations in an agreement into a funding strategy that can actually work when required.
Succession & ownership transition
Coordinating capital, insurance and estate considerations around an eventual transfer of ownership.
Estate liquidity
Identifying where tax, debt or family obligations may create a future cash requirement.
Corporate-owned insurance
Working through ownership, purpose and funding in the context of the existing corporate structure.
Key-person & business continuity
Protecting the business where value depends materially on an owner, executive or relationship.
A shared planning process.
Understand the decision
What is the client actually trying to protect, fund or transfer?
Work within the structure
Review the relevant legal, tax, ownership and estate framework with the professionals already advising the client.
Size the requirement
Determine the actual capital need rather than beginning with a product.
Implement deliberately
If insurance belongs in the structure, determine ownership, coverage and implementation only after the broader decision is clear.
Sheldrake does not provide legal or accounting advice, or redesign structures that belong with the client's existing professionals.
Our role is to solve the insurance, funding and liquidity decisions that sit inside the broader plan, and to make implementation easier for everyone involved.
Sometimes the question is simply whether insurance belongs in the plan at all. If a client situation has reached that point, we are happy to have a conversation with the advisor first.