If a partner dies tomorrow, does the business survive?
Most businesses are one event away from a dispute they never planned for. We structure the agreements and funding that keep ownership, cash flow and continuity intact.
Buy-and-sell that is actually funded
An agreement without funding forces a sale or a loan at the worst possible moment. We align the agreement, the valuation basis and the policy funding so a buyout can happen cleanly.
Key person and contingent liability
Losing the person who holds the client relationships or technical capability has a measurable cost. So do personal surety and loan accounts. Both can be quantified and covered.
Personal and business planning together
For most owners, the business is the balance sheet. We plan the two sides together — remuneration structure, retirement funding, estate liquidity and succession.
What this includes
- Buy-and-sell agreement structuring and funding
- Business valuation basis review
- Key person cover
- Contingent liability and surety cover
- Business overhead protection
- Loan account and shareholder planning
- Succession and continuity planning
- Owner personal wealth integration
Frequently asked
We have a shareholders' agreement — is that enough?
It sets out intent, but without funding in place the surviving owners still need cash to buy the shares. We check both.
How is the business valued for these purposes?
We agree a defensible valuation basis with you and your accountant, and review it as the business grows.
Do you work with smaller businesses?
Yes — owner-managed businesses often carry the most concentrated risk.