Your business is one financial system. Most decisions treat it like separate pieces.
Ownership, income, key people, corporate capital and succession are connected. Good planning begins by understanding how one decision changes the others.
How dependent is the business on you? Income, disability, personal protection and owner dependency belong in the same conversation.
What could interrupt the business even if you are fine? Key people, debt, partner dependency, continuity and ownership funding.
What is the capital inside your corporation ultimately for? Liquidity, retained earnings, investing, retirement, insurance strategies and estate considerations.
What happens when today’s business becomes tomorrow’s estate? Succession, ownership transition, estate equalization, sale, retirement and legacy.
WHERE ARE YOU NOW?
BUILDING — growth, debt, owner dependency
STABILIZING — continuity, predictable cash flow, key people
ACCUMULATING — retained capital, investing, retirement
TRANSITIONING — succession, sale, estate, liquidity